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<TABLE> <S> <C>
<ARTICLE> 5
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 11,921,100
<SECURITIES> 72,915,100
<RECEIVABLES> 2,003,100
<ALLOWANCES> 1,800,000
<INVENTORY> 0
<CURRENT-ASSETS> 0
<PP&E> 4,919,100
<DEPRECIATION> 266,400
<TOTAL-ASSETS> 292,371,600
<CURRENT-LIABILITIES> 2,378,000
<BONDS> 0
0
0
<COMMON> 27,568,400
<OTHER-SE> 0
<TOTAL-LIABILITY-AND-EQUITY> 292,371,600
<SALES> 0
<TOTAL-REVENUES> 10,531,100
<CGS> 0
<TOTAL-COSTS> 0
<OTHER-EXPENSES> 4,423,700
<LOSS-PROVISION> 3,374,400
<INTEREST-EXPENSE> 4,584,200
<INCOME-PRETAX> (809,600)
<INCOME-TAX> (82,200)
<INCOME-CONTINUING> (727,400)
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (727,400)
<EPS-BASIC> (.55)
<EPS-DILUTED> (.55)
</TABLE>
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