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<TABLE> <S> <C>
<ARTICLE> 5
<S> <C> <C>
<PERIOD-TYPE> 9-MOS 9-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-END> SEP-30-2000 SEP-30-1999
<CASH> $448,620 $1,505,148
<SECURITIES> $0 $0
<RECEIVABLES> $18,208,064 $13,634,282
<ALLOWANCES> $(27,500) $(17,000)
<INVENTORY> $0 $0
<CURRENT-ASSETS> $2,045,593 $3,442,781
<PP&E> $11,050 $11,050
<DEPRECIATION> $(6,600) $(3,238)
<TOTAL-ASSETS> $18,665,938 $15,143,759
<CURRENT-LIABILITIES> $15,331,568 $12,541,598
<BONDS> $0 $0
$0 $0
$0 $0
<COMMON> $1,000,000 $1,000,000
<OTHER-SE> $85,866 $86,088
<TOTAL-LIABILITY-AND-EQUITY> $18,665,938 $15,143,759
<SALES> $0 $0
<TOTAL-REVENUES> $1,109,668 $918,004
<CGS> $0 $0
<TOTAL-COSTS> $1,094,551 $851,669
<OTHER-EXPENSES> $0 $0
<LOSS-PROVISION> $7,500 $7,000
<INTEREST-EXPENSE> $817,016 $605,898
<INCOME-PRETAX> $15,117 $66,335
<INCOME-TAX> $7,170 $27,623
<INCOME-CONTINUING> $0 $0
<DISCONTINUED> $0 $0
<EXTRAORDINARY> $0 $0
<CHANGES> $0 $0
<NET-INCOME> $7,947 $38,712
<EPS-BASIC> $0.08 $0.39
<EPS-DILUTED> $0.08 $0.39
</TABLE>
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