<TABLE> <S> <C>
<ARTICLE> 5
<S> <C> <C>
<PERIOD-TYPE> YEAR 9-MOS
<FISCAL-YEAR-END> DEC-31-1999 SEP-30-2000
<PERIOD-START> JAN-01-1999 JAN-01-2000
<PERIOD-END> DEC-31-1999 SEP-30-2000
<CASH> 373,990 150,329
<SECURITIES> 0 0
<RECEIVABLES> 13,874,572 19,381,235
<ALLOWANCES> 1,085,000 2,758,645
<INVENTORY> 0 0
<CURRENT-ASSETS> 13,821,881 17,540,952
<PP&E> 2,817,259 3,213,738
<DEPRECIATION> 1,109,073 1,685,952
<TOTAL-ASSETS> 31,925,225 34,943,076
<CURRENT-LIABILITIES> 16,177,497 18,074,235
<BONDS> 0 0
19,859,859 20,832,627
0 0
<COMMON> 3,891 3,892
<OTHER-SE> (16,660,494) (15,150,973)
<TOTAL-LIABILITY-AND-EQUITY> 31,925,225 34,943,076
<SALES> 0 0
<TOTAL-REVENUES> 46,460,090 58,853,390
<CGS> 0 0
<TOTAL-COSTS> 24,014,468 30,347,865
<OTHER-EXPENSES> 0 0
<LOSS-PROVISION> 2,031,015 2,024,234
<INTEREST-EXPENSE> 2,208,814 (2,179,299)
<INCOME-PRETAX> (2,199,943) 2,430,604
<INCOME-TAX> 0 269,633
<INCOME-CONTINUING> (2,199,943) 2,160,971
<DISCONTINUED> 0 0
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> (2,199,943) 2,160,971
<EPS-BASIC> (0.91) 0.31
<EPS-DILUTED> (0.91) 0.09
</TABLE>