<TABLE> <S> <C>

<ARTICLE>                        5
<LEGEND>
=======================================================================
This  schedule  contains  summary  financial   information  extracted  from  the
company's  financial  statements  as of and for the 3 months ended June 30, 1999
and is qualified in its entirety by reference to such financial statements.
=======================================================================

</LEGEND>
<PERIOD-TYPE>                                                          3-MOS
<FISCAL-YEAR-END>                                                Mar-31-2000
<PERIOD-START>                                                   Apr-01-1999
<PERIOD-END>                                                     Jun-30-1999

<CASH>                                                                49,965
<SECURITIES>                                                               0
<RECEIVABLES>                                                     37,635,196
<ALLOWANCES>                                                       1,260,213
<INVENTORY>                                                                0
<CURRENT-ASSETS>                                                           0
<PP&E>                                                               658,342
<DEPRECIATION>                                                       480,313
<TOTAL-ASSETS>                                                    36,943,770

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

<OTHER-SE>                                                         1,103,025
<TOTAL-LIABILITY-AND-EQUITY>                                      36,943,770

<SALES>                                                            1,621,229
<TOTAL-REVENUES>                                                   1,621,229
<CGS>                                                                      0
<TOTAL-COSTS>                                                              0
<OTHER-EXPENSES>                                                      19,362
<LOSS-PROVISION>                                                      45,000
<INTEREST-EXPENSE>                                                   245,529
<INCOME-PRETAX>                                                    1,152,805
<INCOME-TAX>                                                               0
<INCOME-CONTINUING>                                                        0
<DISCONTINUED>                                                             0
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                       1,152,805

<EPS-BASIC>                                                            .16
<EPS-DILUTED>                                                            .16


</TABLE>