<ARTICLE> 5 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-2000 <CASH> 436605 <SECURITIES> 178239 <RECEIVABLES> 69749414 <ALLOWANCES> 608360 <INVENTORY> 0 <CURRENT-ASSETS> 0 <PP&E> 0 <DEPRECIATION> 0 <TOTAL-ASSETS> 73718070 <CURRENT-LIABILITIES> 0 <BONDS> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6786913 <OTHER-SE> 2049047 <TOTAL-LIABILITY-AND-EQUITY> 73718070 <SALES> 5334494 <TOTAL-REVENUES> 5334494 <CGS> 0 <TOTAL-COSTS> 0 <OTHER-EXPENSES> 1715750 <LOSS-PROVISION> 537215 <INTEREST-EXPENSE> 2323583 <INCOME-PRETAX> 757946 <INCOME-TAX> 215700 <INCOME-CONTINUING> 542246 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 542246 <EPS-BASIC> .41<F1> <EPS-DILUTED> .36<F1> <FN> <F1> ????????????????????????????? </FN>