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<TABLE> <S> <C>
<ARTICLE> 5
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S SECOND QUARTER 2000 CONSOLIDATED BALANCE SHEET AND CONSOLIDATED
STATEMENT OF OPERATIONS FOR THE SIX MONTHS ENDED JUNE 30, 2000 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 2,807,570
<SECURITIES> 0
<RECEIVABLES> 28,351,213
<ALLOWANCES> 3,810,482
<INVENTORY> 0
<CURRENT-ASSETS> 0
<PP&E> 6,705,852
<DEPRECIATION> 2,398,726
<TOTAL-ASSETS> 56,890,615
<CURRENT-LIABILITIES> 0
<BONDS> 26,264,422
0
1,144,312
<COMMON> 18,148,852
<OTHER-SE> 6,413,461
<TOTAL-LIABILITY-AND-EQUITY> 56,890,615
<SALES> 12,593,560
<TOTAL-REVENUES> 21,018,448
<CGS> 1,729,834
<TOTAL-COSTS> 7,141,524
<OTHER-EXPENSES> 0
<LOSS-PROVISION> 516,756
<INTEREST-EXPENSE> 1,388,363
<INCOME-PRETAX> 1,556,826
<INCOME-TAX> 596,746
<INCOME-CONTINUING> 889,658
<DISCONTINUED> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 889,658
<EPS-BASIC> 0.23
<EPS-DILUTED> 0.22
</TABLE>
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