<TABLE> <S> <C>
<ARTICLE> 5
<LEGEND>
================================================================================
This schedule contains summary financial information extracted from the
company's financial statements as of and for the 6 months ended September 30,
2000 and is qualified in its entirety by reference to such financial statements.
================================================================================
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> Mar-31-2001
<PERIOD-START> Apr-01-2000
<PERIOD-END> Sep-30-2000
<CASH> 161,563
<SECURITIES> 0
<RECEIVABLES> 42,428,900
<ALLOWANCES> 1,478,172
<INVENTORY> 0
<CURRENT-ASSETS> 0
<PP&E> 658,342
<DEPRECIATION> 499,903
<TOTAL-ASSETS> 41,292,516
<CURRENT-LIABILITIES> 0
<BONDS> 0
0
0
<COMMON> 20,607,376
<OTHER-SE> 1,587,926
<TOTAL-LIABILITY-AND-EQUITY> 41,292,516
<SALES> 2,758,609
<TOTAL-REVENUES> 2,758,609
<CGS> 0
<TOTAL-COSTS> 0
<OTHER-EXPENSES> 28,724
<LOSS-PROVISION> 90,000
<INTEREST-EXPENSE> 751,493
<INCOME-PRETAX> 1,588,237
<INCOME-TAX> 0
<INCOME-CONTINUING> 0
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,588,237
<EPS-BASIC> .23
<EPS-DILUTED> .23
</TABLE>