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<TABLE> <S> <C>
<ARTICLE> 5
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> Dec-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 7,467,272
<SECURITIES> 0
<RECEIVABLES> 184,194,635
<ALLOWANCES> (10,596,974)
<INVENTORY> 0
<CURRENT-ASSETS> 0
<PP&E> 5,142,824
<DEPRECIATION> (8,046,154)
<TOTAL-ASSETS> 243,903,597
<CURRENT-LIABILITIES> 0
<BONDS> 223,687,205
0
0
<COMMON> 69,743
<OTHER-SE> 7,420,733
<TOTAL-LIABILITY-AND-EQUITY> 243,903,597
<SALES> 0
<TOTAL-REVENUES> 64,899,905
<CGS> 0
<TOTAL-COSTS> 0
<OTHER-EXPENSES> 37,711,704
<LOSS-PROVISION> 10,844,168
<INTEREST-EXPENSE> 0
<INCOME-PRETAX> 787,262
<INCOME-TAX> 582,669
<INCOME-CONTINUING> 204,593
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 204,593
<EPS-BASIC> (0.12)
<EPS-DILUTED> (0.12)
</TABLE>
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