<ARTICLE> 5 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> Dec-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 7,467,272 <SECURITIES> 0 <RECEIVABLES> 184,194,635 <ALLOWANCES> (10,596,974) <INVENTORY> 0 <CURRENT-ASSETS> 0 <PP&E> 5,142,824 <DEPRECIATION> (8,046,154) <TOTAL-ASSETS> 243,903,597 <CURRENT-LIABILITIES> 0 <BONDS> 223,687,205 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 69,743 <OTHER-SE> 7,420,733 <TOTAL-LIABILITY-AND-EQUITY> 243,903,597 <SALES> 0 <TOTAL-REVENUES> 64,899,905 <CGS> 0 <TOTAL-COSTS> 0 <OTHER-EXPENSES> 37,711,704 <LOSS-PROVISION> 10,844,168 <INTEREST-EXPENSE> 0 <INCOME-PRETAX> 787,262 <INCOME-TAX> 582,669 <INCOME-CONTINUING> 204,593 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 204,593 <EPS-BASIC> (0.12) <EPS-DILUTED> (0.12)