<TABLE> <S> <C>
<ARTICLE> 5
<LEGEND>
This schedule contains summary information extracted from the condensed
consolidated balance sheet at March 31, 2000 and March 31, 1999,
and the condensed consolidated statements of income for the twelve
months ended March 31, 2000 and March 31, 1999, and is qualified in its
entirety by reference to such financial statements.
<S> <C> <C>
<PERIOD-TYPE> 12-MOS 12-MOS
<FISCAL-YEAR-END> MAR-31-2000 MAR-31-1999
<PERIOD-END> MAR-31-2000 MAR-31-1999
<CASH> 259,183 509,418
<SECURITIES> 0 0
<RECEIVABLES> 52,015,107 39,923,471
<ALLOWANCES> 10,968,714 8,548,550
<INVENTORY> 0 0
<CURRENT-ASSETS> 0 0
<PP&E> 719,354 532,379
<DEPRECIATION> 387,760 315,086
<TOTAL-ASSETS> 54,135,378 42,257,014
<CURRENT-LIABILITIES> 43,008,094 33,716,313
<BONDS> 0 0
0 0
0 0
<COMMON> 3,711,602 3,702,587
<OTHER-SE> 7,415,682 4,838,114
<TOTAL-LIABILITY-AND-EQUITY> 54,135,378 42,257,014
<SALES> 517,445 495,849
<TOTAL-REVENUES> 14,074,816 10,418,538
<CGS> 90,471 102,368
<TOTAL-COSTS> 5,621,680 4,320,807
<OTHER-EXPENSES> 91,049 90,005
<LOSS-PROVISION> 1,069,719 940,922
<INTEREST-EXPENSE> 2,771,100 2,358,838
<INCOME-PRETAX> 4,430,797 2,605,598
<INCOME-TAX> 1,853,229 1,003,242
<INCOME-CONTINUING> 2,577,568 1,602,356
<DISCONTINUED> 0 0
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 2,577,568 1,602,356
<EPS-BASIC> 1.10 .68
<EPS-DILUTED> 1.01 .65
<FN>
<F1> RECEIVABLES ARE PRESENTED NET OF UNEARNED FINANCE CHARGES,
NON-REFUNDABLE DEALER RESERVE AND ALLOWANCE FOR DOUBTFUL ACCOUNTS.
<F2> RECEIVABLES ARE PRESENTED AS TOTAL RESERVES , COMPRISED OF
NON-REFUNDABLE DEALER RESERVE AND ALLOWANCE FOR DOUBTFUL ACCOUNTS.
</TABLE>
