<TABLE> <S> <C>
<ARTICLE> 5
<S> <C> <C>
<PERIOD-TYPE> 6-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-END> JUN-30-2000 JUN-30-1999
<CASH> $49,239 $491,010
<SECURITIES> $0 $0
<RECEIVABLES> $17,934,018 $14,575,227
<ALLOWANCES> $(25,000) $(14,000)
<INVENTORY> $0 $0
<CURRENT-ASSETS> $1,880,568 $2,221,369
<PP&E> $11,050 $11,050
<DEPRECIATION> ($5,760) ($2,397)
<TOTAL-ASSETS> $17,991,708 $15,076,583
<CURRENT-LIABILITIES> $14,861,621 $12,504,936
<BONDS> $0 $0
$0 $0
$0 $0
<COMMON> $1,000,000 $1,000,000
<OTHER-SE> $79,348 $78,077
<TOTAL-LIABILITY-AND-EQUITY>$17,991,708 $15,076,583
<SALES> $0 $0
<TOTAL-REVENUES> $726,048 $609,972
<CGS> $0 $0
<TOTAL-COSTS> $721,187 $559,977
<OTHER-EXPENSES> $0 $0
<LOSS-PROVISION> $5,000 $4,000
<INTEREST-EXPENSE> $524,431 $398,595
<INCOME-PRETAX> $4,861 $49,995
<INCOME-TAX> $3,432 $19,294
<INCOME-CONTINUING> $1,429 $0
<DISCONTINUED> $0 $0
<EXTRAORDINARY> $0 $0
<CHANGES> $0 $0
<NET-INCOME> $1,429 $30,701
<EPS-BASIC> $0.01 $0.31
<EPS-DILUTED> $0.01 $0.31
</TABLE>