<ARTICLE> 5 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 64,381 <SECURITIES> 0 <RECEIVABLES> 472,422 <ALLOWANCES> (733) <INVENTORY> 3,256,496 <CURRENT-ASSETS> 0 <PP&E> 160,985 <DEPRECIATION> (20,425) <TOTAL-ASSETS> 4,742,572 <CURRENT-LIABILITIES> 0 <BONDS> 3,232,466 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 359 <OTHER-SE> 635,424 <TOTAL-LIABILITY-AND-EQUITY> 4,742,572 <SALES> 1,739,055 <TOTAL-REVENUES> 1,739,055 <CGS> 0 <TOTAL-COSTS> 1,472,315 <OTHER-EXPENSES> 8,687 <LOSS-PROVISION> 2,339 <INTEREST-EXPENSE> 149,869 <INCOME-PRETAX> 105,845 <INCOME-TAX> 45,949 <INCOME-CONTINUING> 59,896 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 59,896 <EPS-PRIMARY> 1.74 <EPS-DILUTED> 1.70