<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THIS FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          JAN-31-2001
<PERIOD-END>                               OCT-31-2000
<CASH>                                         784,433
<SECURITIES>                                    75,659
<RECEIVABLES>                                  194,638
<ALLOWANCES>                                     8,022
<INVENTORY>                                          0
<CURRENT-ASSETS>                             1,089,446
<PP&E>                                          74,443
<DEPRECIATION>                                  24,694
<TOTAL-ASSETS>                               1,456,351
<CURRENT-LIABILITIES>                          351,716
<BONDS>                                        561,771
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           384
<OTHER-SE>                                     523,560
<TOTAL-LIABILITY-AND-EQUITY>                 1,456,351
<SALES>                                        317,636
<TOTAL-REVENUES>                               563,717
<CGS>                                           13,172
<TOTAL-COSTS>                                  569,998
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                 2,352
<INTEREST-EXPENSE>                              17,231
<INCOME-PRETAX>                                (6,281)
<INCOME-TAX>                                    11,382
<INCOME-CONTINUING>                            (1,871)
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (1,871)
<EPS-BASIC>                                     (0.01)<F1>
<EPS-DILUTED>                                   (0.01)
<FN>
<F1>For purposes of this exhibit, primary means basic.
</FN>