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<TABLE> <S> <C>
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<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> APR-30-2001
<PERIOD-END> OCT-31-2000
<CASH> 588,103
<SECURITIES> 0
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<ALLOWANCES> (34,441,793)
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<CURRENT-ASSETS> 163,341,638
<PP&E> 14,116,651
<DEPRECIATION> (1,853,821)
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<CURRENT-LIABILITIES> 13,008,182
<BONDS> 9,465,360
0
14,696
<COMMON> 24,464
<OTHER-SE> 18,290,693
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<SALES> 94,303,170
<TOTAL-REVENUES> 113,201,524
<CGS> 57,713,082
<TOTAL-COSTS> 88,488,614
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<LOSS-PROVISION> 22,038,412
<INTEREST-EXPENSE> 8,737,120
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<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,234,673
<EPS-BASIC> 0.91
<EPS-DILUTED> 0.23
</TABLE>
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