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<TABLE> <S> <C>
<ARTICLE> 5
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> APR-30-2001
<PERIOD-END> JUL-31-2000
<CASH> 4,053,609
<SECURITIES> 0
<RECEIVABLES> 256,501,448
<ALLOWANCES> (47,370,454)
<INVENTORY> 15,923,843
<CURRENT-ASSETS> 0
<PP&E> 33,056,128
<DEPRECIATION> (4,714,474)
<TOTAL-ASSETS> 294,970,688
<CURRENT-LIABILITIES> 0
<BONDS> 199,112,422
0
0
<COMMON> 80,857
<OTHER-SE> 60,718,044
<TOTAL-LIABILITY-AND-EQUITY> 294,970,688
<SALES> 66,904,528
<TOTAL-REVENUES> 82,450,929
<CGS> 38,879,279
<TOTAL-COSTS> 0
<OTHER-EXPENSES> 18,244,118
<LOSS-PROVISION> 14,294,193
<INTEREST-EXPENSE> 5,522,555
<INCOME-PRETAX> 5,510,784
<INCOME-TAX> 2,248,436
<INCOME-CONTINUING> 2,767,142
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,767,142
<EPS-BASIC> .34
<EPS-DILUTED> .32
</TABLE>
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