<TABLE> <S> <C>

<ARTICLE> 5
<RESTATED>

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1997             JAN-01-1997             JUL-01-1997
<PERIOD-END>                               MAR-31-1997             JUN-30-1997             SEP-30-1997
<CASH>                                         435,856               1,421,338               1,600,181
<SECURITIES>                                         0                       0                       0
<RECEIVABLES>                               41,603,447              59,733,080              55,030,450
<ALLOWANCES>                                         0                       0                       0
<INVENTORY>                                          0                       0                       0
<CURRENT-ASSETS>                                     0                       0                       0
<PP&E>                                               0                       0                       0
<DEPRECIATION>                                       0                       0                       0
<TOTAL-ASSETS>                              94,919,879             122,318,229             127,552,919
<CURRENT-LIABILITIES>                                0                       0                       0
<BONDS>                                              0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                        60,086                       0                       0
<OTHER-SE>                                  38,519,148              39,235,582              39,894,862
<TOTAL-LIABILITY-AND-EQUITY>                94,919,879             122,318,229             127,552,919
<SALES>                                              0                       0                       0
<TOTAL-REVENUES>                             8,277,773                       0                       0
<CGS>                                                0                       0                       0
<TOTAL-COSTS>                                5,881,150                       0                       0
<OTHER-EXPENSES>                                     0                       0                       0
<LOSS-PROVISION>                               293,270                 211,324                 100,045
<INTEREST-EXPENSE>                           1,054,909               1,830,284               2,096,118
<INCOME-PRETAX>                              1,048,444               1,118,507               1,126,419
<INCOME-TAX>                                   436,000                 465,297                 468,540
<INCOME-CONTINUING>                            612,444                 653,210                 657,829
<DISCONTINUED>                                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                   612,444                 653,210                 657,829
<EPS-PRIMARY>                                      .10                     .11                     .11
<EPS-DILUTED>                                      .10                     .10                     .10


</TABLE>