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<TABLE> <S> <C>
<ARTICLE> 5
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> APR-30-2001
<PERIOD-END> OCT-31-2000
<CASH> 2,375,314
<SECURITIES> 0
<RECEIVABLES> 270,792,626
<ALLOWANCES> (47,772,164)
<INVENTORY> 17,545,704
<CURRENT-ASSETS> 0
<PP&E> 33,488,801
<DEPRECIATION> (5,457,788)
<TOTAL-ASSETS> 306,540,900
<CURRENT-LIABILITIES> 0
<BONDS> 211,485,422
0
0
<COMMON> 78,165
<OTHER-SE> 60,816,315
<TOTAL-LIABILITY-AND-EQUITY> 306,540,900
<SALES> 141,000,630
<TOTAL-REVENUES> 172,015,356
<CGS> 83,142,601
<TOTAL-COSTS> 0
<OTHER-EXPENSES> 38,578,507
<LOSS-PROVISION> 30,022,350
<INTEREST-EXPENSE> 11,452,065
<INCOME-PRETAX> 8,819,833
<INCOME-TAX> 3,676,043
<INCOME-CONTINUING> 4,317,128
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,317,128
<EPS-BASIC> 0.54
<EPS-DILUTED> 0.51
</TABLE>
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