<ARTICLE> 5
<MULTIPLIER> 1,000
       
                                                                       
<PERIOD-TYPE>                                 3-MOS                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1999             MAR-31-1999             MAR-31-1999
<PERIOD-START>                             APR-01-1998             APR-01-1998             APR-01-1998
<PERIOD-END>                               JUN-30-1998             SEP-30-1998             DEC-31-1998
<CASH>                                             770                   1,294                   1,506
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<RECEIVABLES>                                  107,061                 110,595                 129,105
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<INVENTORY>                                          0                       0                       0
<CURRENT-ASSETS>                                99,032                 102,981                 120,536
<PP&E>                                           6,395                   6,721                   6,710
<DEPRECIATION>                                       0                       0                       0
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<CURRENT-LIABILITIES>                            5,928                   8,712                   9,729
<BONDS>                                         65,782                  68,732                  83,632
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                        49,461                  47,835                  49,889
<OTHER-SE>                                           0                       0                       0
<TOTAL-LIABILITY-AND-EQUITY>                   121,171                 125,279                 143,250
<SALES>                                              0                       0                       0
<TOTAL-REVENUES>                                20,734                  42,416                  66,252
<CGS>                                                0                       0                       0
<TOTAL-COSTS>                                        0                       0                       0
<OTHER-EXPENSES>                                13,925                  33,621                  48,633
<LOSS-PROVISION>                                 2,360                   5,472                   9,733
<INTEREST-EXPENSE>                               1,216                   2,627                   4,084
<INCOME-PRETAX>                                  3,233                     696                   3,802
<INCOME-TAX>                                     1,100                     233                   1,285
<INCOME-CONTINUING>                              2,133                     463                   2,517
<DISCONTINUED>                                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     2,133                     463                   2,517
<EPS-PRIMARY>                                     0.11                    0.02                    0.13
<EPS-DILUTED>                                     0.11                    0.02                    0.13