<TABLE> <S> <C>

<ARTICLE>                        5
<LEGEND>

================================================================================
This  schedule  contains  summary  financial   information  extracted  from  the
company's  financial  statements as of and for the 6 months ended  September 30,
2000 and is qualified in its entirety by reference to such financial statements.
================================================================================

</LEGEND>

<S>                                                                  <C>
<PERIOD-TYPE>                                                              6-MOS
<FISCAL-YEAR-END>                                                    Mar-31-2001
<PERIOD-START>                                                       Apr-01-2000
<PERIOD-END>                                                         Sep-30-2000

<CASH>                                                                   161,563
<SECURITIES>                                                                   0
<RECEIVABLES>                                                         42,428,900
<ALLOWANCES>                                                           1,478,172
<INVENTORY>                                                                    0
<CURRENT-ASSETS>                                                               0
<PP&E>                                                                   658,342
<DEPRECIATION>                                                           499,903
<TOTAL-ASSETS>                                                        41,292,516

<CURRENT-LIABILITIES>                                                          0
<BONDS>                                                                        0
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                              20,607,376

<OTHER-SE>                                                             1,587,926
<TOTAL-LIABILITY-AND-EQUITY>                                          41,292,516

<SALES>                                                                2,758,609
<TOTAL-REVENUES>                                                       2,758,609
<CGS>                                                                          0
<TOTAL-COSTS>                                                                  0
<OTHER-EXPENSES>                                                          28,724
<LOSS-PROVISION>                                                          90,000
<INTEREST-EXPENSE>                                                       751,493
<INCOME-PRETAX>                                                        1,588,237
<INCOME-TAX>                                                                   0
<INCOME-CONTINUING>                                                            0
<DISCONTINUED>                                                                 0
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                           1,588,237

<EPS-BASIC>                                                                  .23
<EPS-DILUTED>                                                                .23


</TABLE>