<ARTICLE> 5
<LEGEND>   
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
BALANCE SHEETS, CONSOLIDATED STATEMENTS OF INCOME AND IS QUALIFIED IN ITS 
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               MAR-31-1998             MAR-31-1997
<CASH>                                           1,495                   1,077
<SECURITIES>                                         0                       0
<RECEIVABLES>                                   18,390                  15,142
<ALLOWANCES>                                       610                     610
<INVENTORY>                                          0                       0
<CURRENT-ASSETS>                                     0                       0
<PP&E>                                           4,873                   4,505
<DEPRECIATION>                                   1,441                   1,241
<TOTAL-ASSETS>                                 122,400                 125,067
<CURRENT-LIABILITIES>                                0                       0
<BONDS>                                              0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                      1,575                   1,575
<COMMON>                                        14,045                  14,045
<OTHER-SE>                                       6,640                   6,271
<TOTAL-LIABILITY-AND-EQUITY>                   122,400                 122,400
<SALES>                                          4,703                   4,596
<TOTAL-REVENUES>                                 4,703                   4,596
<CGS>                                                0                       0
<TOTAL-COSTS>                                        0                       0
<OTHER-EXPENSES>                                 3,209                   2,221
<LOSS-PROVISION>                                   307                     354
<INTEREST-EXPENSE>                                 526                     621
<INCOME-PRETAX>                                    661                   1,400
<INCOME-TAX>                                       258                     560
<INCOME-CONTINUING>                                403                     840
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       403                     840
<EPS-PRIMARY>                                      .09                     .20
<EPS-DILUTED>                                      .09                     .19