<TABLE> <S> <C>
<ARTICLE> 5
<S> <C> <C>
<PERIOD-TYPE> 3-MOS 9-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-2000
<PERIOD-START> JUL-01-2000 JAN-01-2000
<PERIOD-END> SEP-30-2000 SEP-30-2000
<CASH> 2,153,825 2,153,825
<SECURITIES> 0 0
<RECEIVABLES> 276,021,057 276,021,057
<ALLOWANCES> (10,176,135) (10,176,135)
<INVENTORY> 95,259,273 95,259,273
<CURRENT-ASSETS> 0 0
<PP&E> 17,075,423 17,075,423
<DEPRECIATION> 0 0
<TOTAL-ASSETS> 436,573,259 436,573,259
<CURRENT-LIABILITIES> 0 0
<BONDS> 289,858,760 289,858,760
30,000 30,000
0 0
<COMMON> 280,897 280,897
<OTHER-SE> 83,716,005 83,716,005
<TOTAL-LIABILITY-AND-EQUITY> 436,573,259 436,573,259
<SALES> 31,567,724 77,761,867
<TOTAL-REVENUES> 48,433,235 127,012,033
<CGS> 7,872,766 18,934,882
<TOTAL-COSTS> 0 0
<OTHER-EXPENSES> 25,341,050 52,723,148
<LOSS-PROVISION> 2,509,332 6,198,559
<INTEREST-EXPENSE> 6,505,115 19,026,296
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<INCOME-TAX> 2,675,000 6,400,000
<INCOME-CONTINUING> 3,529,972 8,664,574
<DISCONTINUED> 0 0
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 3,529,972 8,664,574
<EPS-BASIC> 0.12 0.29
<EPS-DILUTED> 0.12 0.29
</TABLE>