<TABLE> <S> <C>

<ARTICLE> 5
<RESTATED>

<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995             DEC-31-1995             DEC-31-1996
<PERIOD-START>                             JAN-01-1996             JAN-01-1996             JAN-01-1996             JAN-01-1996
<PERIOD-END>                               MAR-31-1996             JUN-30-1996             SEP-30-1996             DEC-31-1996
<CASH>                                         578,365               1,741,239               2,638,355                 603,028
<SECURITIES>                                         0                       0                       0                       0
<RECEIVABLES>                               87,136,490              78,401,054              30,131,870              12,562,073
<ALLOWANCES>                                   419,581                 375,983                 145,766                       0
<INVENTORY>                                          0                       0                       0                       0
<CURRENT-ASSETS>                                     0                       0                       0                       0
<PP&E>                                               0                       0                       0                       0
<DEPRECIATION>                                       0                       0                       0                       0
<TOTAL-ASSETS>                             111,085,344             109,551,762              69,187,261              56,676,953
<CURRENT-LIABILITIES>                                0                       0                       0                       0
<BONDS>                                              0                       0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                        54,967                  58,790                  58,975                  59,048
<OTHER-SE>                                  30,770,033              35,346,655              36,859,490              37,854,768
<TOTAL-LIABILITY-AND-EQUITY>               111,085,344             109,551,762              69,187,261              56,676,953
<SALES>                                              0                       0                       0                       0
<TOTAL-REVENUES>                             6,849,583               6,303,004               6,133,064              30,760,354
<CGS>                                                0                       0                       0                       0
<TOTAL-COSTS>                                2,867,725               3,660,705               4,260,770              15,659,987
<OTHER-EXPENSES>                                     0                       0                       0                       0
<LOSS-PROVISION>                              (74,894)                  49,824                 167,963                 265,802
<INTEREST-EXPENSE>                           3,199,758               1,255,608               1,492,629               5,539,850
<INCOME-PRETAX>                              3,981,858               2,642,299               1,874,294               9,560,517
<INCOME-TAX>                                   782,100                 526,591                 370,000               1,888,691
<INCOME-CONTINUING>                          3,199,758               2,115,708               1,504,294               7,671,826
<DISCONTINUED>                                       0                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                 3,199,758               2,115,708               1,504,294               7,671,826
<EPS-PRIMARY>                                     1.04                     .37                     .26                    1.49
<EPS-DILUTED>                                      .87                     .33                     .23                    1.35


</TABLE>