<TABLE> <S> <C>

<ARTICLE>                        5

<LEGEND>
================================================================================
This  schedule  contains  summary  financial   information  extracted  from  the
company's  financial  statements as of and for the 9 months ended  December 31,
1999 and is qualified in its entirety by reference to such financial statements.
================================================================================
</LEGEND>

<S>                                                                 <C>
<PERIOD-TYPE>                                                              YEAR
<FISCAL-YEAR-END>                                                   Mar-31-2000
<PERIOD-START>                                                      Apr-01-1999
<PERIOD-END>                                                        Dec-31-1999

<CASH>                                                                  249,303
<SECURITIES>                                                                  0
<RECEIVABLES>                                                        43,542,555
<ALLOWANCES>                                                          1,343,172
<INVENTORY>                                                                   0
<CURRENT-ASSETS>                                                              0
<PP&E>                                                                  658,342
<DEPRECIATION>                                                          488,149
<TOTAL-ASSETS>                                                       43,628,654

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

<OTHER-SE>                                                              175,941
<TOTAL-LIABILITY-AND-EQUITY>                                         43,628,654

<SALES>                                                               3,717,347
<TOTAL-REVENUES>                                                      3,717,347
<CGS>                                                                         0
<TOTAL-COSTS>                                                                 0
<OTHER-EXPENSES>                                                         50,802
<LOSS-PROVISION>                                                        135,000
<INTEREST-EXPENSE>                                                      778,845
<INCOME-PRETAX>                                                       2,255,955
<INCOME-TAX>                                                                  0
<INCOME-CONTINUING>                                                           0
<DISCONTINUED>                                                                0
<EXTRAORDINARY>                                                               0
<CHANGES>                                                                     0
<NET-INCOME>                                                          2,255,955

<EPS-BASIC>                                                                 .32
<EPS-DILUTED>                                                               .32



</TABLE>