<TABLE> <S> <C>
<ARTICLE> 5
<LEGEND>
This schedule contains summary information extracted from the
condensed consolidated balance sheet at June 30, 2000, and the
condensed consolidated statements of income for the 3 months
ended June 30, 2000 and 1996. Both are qualified in their
entirety by reference to such.
</LEGEND>
<S> <C> <C>
<PERIOD-TYPE> 3-MOS 3-MOS
<FISCAL-YEAR-END> MAR-31-2001 MAR-31-2000
<PERIOD-END> JUN-30-2000 JUN-30-1999
<CASH> 104,894 0
<SECURITIES> 0 0
<RECEIVABLES> 57,425,609 0
<ALLOWANCES> 12,448,596 0
<INVENTORY> 0 0
<CURRENT-ASSETS> 0 0
<PP&E> 754,973 0
<DEPRECIATION> 414,761 0
<TOTAL-ASSETS> 59,592,144 0
<CURRENT-LIABILITIES> 47,810,450 0
<BONDS> 0 0
0 0
0 0
<COMMON> 3,662,697 0
<OTHER-SE> 8,118,997 0
<TOTAL-LIABILITY-AND-EQUITY> 59,592,144 0
<SALES> 116,810 135,448
<TOTAL-REVENUES> 4,026,324 2,970,630
<CGS> 25,857 15,531
<TOTAL-COSTS> 1,622,413 1,242,355
<OTHER-EXPENSES> 27,000 24,140
<LOSS-PROVISION> 371,710 250,678
<INTEREST-EXPENSE> 835,023 623,509
<INCOME-PRETAX> 1,144,321 814,417
<INCOME-TAX> 441,007 312,270
<INCOME-CONTINUING> 703,314 502,147
<DISCONTINUED> 0 0
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 703,314 502,147
<EPS-BASIC> .30 .21
<EPS-DILUTED> .28 .20
<FN>
<F1> Receivables are presented net of unearned finance charges,
non-refundable dealer reserve and allowance for doubtful
accounts.
<F2> Allowances are total reserves for credit losses, comprised
of non-refundable dealer reserve and allowances for
doubtful accounts.
</TABLE>
