<ARTICLE> 5 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1998 DEC-31-1997 <PERIOD-START> JUL-01-1998 JAN-01-1998 <PERIOD-END> SEP-30-1998 SEP-30-1998 <CASH> 3,188 1,077 <SECURITIES> 0 0 <RECEIVABLES> 22,816 15,142 <ALLOWANCES> 123 610 <INVENTORY> 0 0 <CURRENT-ASSETS> 0 0 <PP&E> 5,307 4,505 <DEPRECIATION> 1,827 1,241 <TOTAL-ASSETS> 116,834 125,067 <CURRENT-LIABILITIES> 0 0 <BONDS> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 1,575 1,575 <COMMON> 14,057 14,045 <OTHER-SE> 7,847 6,271 <TOTAL-LIABILITY-AND-EQUITY> 116,834 125,067 <SALES> 5,915 15,772 <TOTAL-REVENUES> 5,915 15,772 <CGS> 0 0 <TOTAL-COSTS> 0 0 <OTHER-EXPENSES> 3,988 10,793 <LOSS-PROVISION> 461 942 <INTEREST-EXPENSE> 295 1,281 <INCOME-PRETAX> 1,171 2,756 <INCOME-TAX> 457 1,077 <INCOME-CONTINUING> 714 1,679 <DISCONTINUED> 0 0 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 714 1,679 <EPS-PRIMARY> .17 .38 <EPS-DILUTED> .16 .38