<TABLE> <S> <C>

<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BALANCE
SHEETS AND STATEMENTS OF INCOME OF THE COMPANY'S FORM 10-QSB FOR THE THREE
MONTHS AND SIX MONTHS ENDED JANUARY 31, 2000, AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          JUL-31-1999             JUL-31-1999
<PERIOD-START>                             NOV-01-1999             AUG-01-1999
<PERIOD-END>                               JAN-31-2000             JAN-31-2000
<CASH>                                          50,782                  50,782
<SECURITIES>                                         0                       0
<RECEIVABLES>                                4,486,582               4,486,582
<ALLOWANCES>                                   337,607                 337,607
<INVENTORY>                                          0                       0
<CURRENT-ASSETS>                                     0                       0
<PP&E>                                          45,654                  45,654
<DEPRECIATION>                                  19,207                  19,207
<TOTAL-ASSETS>                               4,341,977               4,341,977
<CURRENT-LIABILITIES>                           53,439                  53,439
<BONDS>                                      3,902,421               3,902,421
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       150,000                 150,000
<OTHER-SE>                                     206,397                 206,397
<TOTAL-LIABILITY-AND-EQUITY>                 4,341,977               4,341,977
<SALES>                                              0                       0
<TOTAL-REVENUES>                               323,266                 640,723
<CGS>                                                0                       0
<TOTAL-COSTS>                                        0                       0
<OTHER-EXPENSES>                               295,142                 584,586
<LOSS-PROVISION>                                41,500                  97,000
<INTEREST-EXPENSE>                             111,816                 224,342
<INCOME-PRETAX>                                 28,124                  56,137
<INCOME-TAX>                                         0                       0
<INCOME-CONTINUING>                             28,124                  56,137
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    28,124                  56,137
<EPS-BASIC>                                   93.747                 187.123
<EPS-DILUTED>                                   93.747                 187.123


</TABLE>