<TABLE> <S> <C>

<ARTICLE>                     5
<LEGEND>
                              This   Schedule   Contains   Summary
                              Financial    Information   Extracted
                              From  the   Unaudited   Consolidated
                              Balance  Sheets as of July 31,  1998
                              and      Unaudited      Consolidated
                              Statements  Of  Income  For  The Six
                              Months  Ended  July 31,  1998 and is
                              qualified   in   its   entirety   by
                              reference    to    such    financial
                              statements.
</LEGEND>
<CURRENCY>                    United States
<MULTIPLIER>                  1
<CIK>                         0000702167
<NAME>                        Universal Money Centers, Inc.
       
<S>                                                    <C>
<PERIOD-TYPE>                                                6-MOS
<FISCAL-YEAR-END>                                      JAN-31-1999
<PERIOD-START>                                          FEB-1-1998
<PERIOD-END>                                           JUL-31-1998
<EXCHANGE-RATE>                                                  1
<CASH>                                                     271,882
<SECURITIES>                                                     0
<RECEIVABLES>                                              277,968
<ALLOWANCES>                                                21,380
<INVENTORY>                                                    300
<CURRENT-ASSETS>                                           537,263
<PP&E>                                                   3,072,130
<DEPRECIATION>                                           1,667,935
<TOTAL-ASSETS>                                           2,288,612
<CURRENT-LIABILITIES>                                      653,619
<BONDS>                                                    646,294
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                   398,514
<OTHER-SE>                                               2,252,493
<TOTAL-LIABILITY-AND-EQUITY>                             2,288,612
<SALES>                                                          0
<TOTAL-REVENUES>                                         2,408,316
<CGS>                                                            0
<TOTAL-COSTS>                                              597,112
<OTHER-EXPENSES>                                            79,863
<LOSS-PROVISION>                                                 0
<INTEREST-EXPENSE>                                          79,863
<INCOME-PRETAX>                                            109,162
<INCOME-TAX>                                                     0
<INCOME-CONTINUING>                                        176,665
<DISCONTINUED>                                                   0
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                               109,162
<EPS-PRIMARY>                                                 .003
<EPS-DILUTED>                                                 .003

        


</TABLE>