<TABLE> <S> <C>
<ARTICLE> 5
<LEGEND>
=======================================================================
This schedule contains summary financial information extracted from
the company's financial statements as of and for the year ended March 31,
2000 and is qualified in its entirety by reference to such financial statements.
=======================================================================
</LEGEND>
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> Mar-31-2000
<PERIOD-START> Apr-01-1999
<PERIOD-END> Mar-31-2000
<CASH> 387,087
<SECURITIES> 0
<RECEIVABLES> 37,795,475
<ALLOWANCES> 1,388,172
<INVENTORY> 0
<CURRENT-ASSETS> 0
<PP&E> 658,342
<DEPRECIATION> 492,067
<TOTAL-ASSETS> 37,944,940
<CURRENT-LIABILITIES> 0
<BONDS> 0
0
0
<COMMON> 20,607,376
<OTHER-SE> 979,802
<TOTAL-LIABILITY-AND-EQUITY> 37,944,940
<SALES> 5,145,936
<TOTAL-REVENUES> 5,145,936
<CGS> 0
<TOTAL-COSTS> 0
<OTHER-EXPENSES> 67,260
<LOSS-PROVISION> 180,000
<INTEREST-EXPENSE> 1,110,202
<INCOME-PRETAX> 3,092,755
<INCOME-TAX> 32,940
<INCOME-CONTINUING> 0
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,059,815
<EPS-BASIC> .44
<EPS-DILUTED> .44
</TABLE>
