<TABLE> <S> <C>

<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE JUNE 30,
2000 UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             APR-01-2000
<PERIOD-END>                               JUN-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                          18,836
<SECURITIES>                                         0
<RECEIVABLES>                                  310,166
<ALLOWANCES>                                    42,090
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                          22,822
<DEPRECIATION>                                   9,487
<TOTAL-ASSETS>                                 320,322
<CURRENT-LIABILITIES>                                0
<BONDS>                                        200,904
                                0
                                          0
<COMMON>                                           134
<OTHER-SE>                                      86,183
<TOTAL-LIABILITY-AND-EQUITY>                   320,322
<SALES>                                              0
<TOTAL-REVENUES>                                30,942
<CGS>                                                0
<TOTAL-COSTS>                                    6,839
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                 9,040
<INTEREST-EXPENSE>                               3,650
<INCOME-PRETAX>                                  8,859
<INCOME-TAX>                                     3,728
<INCOME-CONTINUING>                                  0
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,131
<EPS-BASIC>                                        0.4
<EPS-DILUTED>                                      0.4


</TABLE>



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