<ARTICLE> 5 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-2000 <CASH> 962488 <SECURITIES> 162914 <RECEIVABLES> 69737469 <ALLOWANCES> 623004 <INVENTORY> 0 <CURRENT-ASSETS> 0 <PP&E> 0 <DEPRECIATION> 0 <TOTAL-ASSETS> 74264434 <CURRENT-LIABILITIES> 0 <BONDS> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6737234 <OTHER-SE> 2049047 <TOTAL-LIABILITY-AND-EQUITY> 74264434 <SALES> 8302083 <TOTAL-REVENUES> 8302083 <CGS> 0 <TOTAL-COSTS> 0 <OTHER-EXPENSES> 2513988 <LOSS-PROVISION> 833047 <INTEREST-EXPENSE> 3740408 <INCOME-PRETAX> 1214640 <INCOME-TAX> 416000 <INCOME-CONTINUING> 798640 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 798640 <EPS-BASIC> .60 <EPS-DILUTED> .53