<ARTICLE>                     5


                                                            
<PERIOD-TYPE>                                  3-MOS               9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000         DEC-31-2000
<PERIOD-START>                                 JUL-01-2000         JAN-01-2000
<PERIOD-END>                                   SEP-30-2000         SEP-30-2000
<CASH>                                           2,153,825           2,153,825
<SECURITIES>                                             0                   0
<RECEIVABLES>                                  276,021,057         276,021,057
<ALLOWANCES>                                   (10,176,135)        (10,176,135)
<INVENTORY>                                     95,259,273          95,259,273
<CURRENT-ASSETS>                                         0                   0
<PP&E>                                          17,075,423          17,075,423
<DEPRECIATION>                                           0                   0
<TOTAL-ASSETS>                                 436,573,259         436,573,259
<CURRENT-LIABILITIES>                                    0                   0
<BONDS>                                        289,858,760         289,858,760
<PREFERRED-MANDATORY>                               30,000              30,000
<PREFERRED>                                              0                   0
<COMMON>                                           280,897             280,897
<OTHER-SE>                                      83,716,005          83,716,005
<TOTAL-LIABILITY-AND-EQUITY>                   436,573,259         436,573,259
<SALES>                                         31,567,724          77,761,867
<TOTAL-REVENUES>                                48,433,235         127,012,033
<CGS>                                            7,872,766          18,934,882
<TOTAL-COSTS>                                            0                   0
<OTHER-EXPENSES>                                25,341,050          52,723,148
<LOSS-PROVISION>                                 2,509,332           6,198,559
<INTEREST-EXPENSE>                               6,505,115          19,026,296
<INCOME-PRETAX>                                  6,204,972          15,064,574
<INCOME-TAX>                                     2,675,000           6,400,000
<INCOME-CONTINUING>                              3,529,972           8,664,574
<DISCONTINUED>                                           0                   0
<EXTRAORDINARY>                                          0                   0
<CHANGES>                                                0                   0
<NET-INCOME>                                     3,529,972           8,664,574
<EPS-BASIC>                                           0.12                0.29
<EPS-DILUTED>                                         0.12                0.29