<TABLE> <S> <C>


<ARTICLE> 5
<RESTATED>
<MULTIPLIER> 1,000

<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1996             DEC-31-1996             DEC-31-1997
<PERIOD-START>                             JAN-01-1995             JAN-01-1996             JUL-01-1996             JUL-01-1997
<PERIOD-END>                               DEC-31-1995             DEC-31-1996             SEP-30-1996             SEP-30-1997
<CASH>                                              58                   2,262                       0                       0
<SECURITIES>                                         0                       0                       0                       0
<RECEIVABLES>                                    4,037                  30,841                       0                       0
<ALLOWANCES>                                     1,923                  16,150                       0                       0
<INVENTORY>                                        162                     269                       0                       0
<CURRENT-ASSETS>                                 2,464                  18,234                       0                       0
<PP&E>                                           2,324                   7,650                       0                       0
<DEPRECIATION>                                     864                   3,718                       0                       0
<TOTAL-ASSETS>                                  20,034                 157,854                       0                       0
<CURRENT-LIABILITIES>                            1,027                  12,959                       0                       0
<BONDS>                                         15,146                  95,477                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                      6,085                   6,217                       0                       0
<COMMON>                                            14                      58                       0                       0
<OTHER-SE>                                      (2,238)                 24,845                       0                       0
<TOTAL-LIABILITY-AND-EQUITY>                    20,034                 157,854                       0                       0
<SALES>                                              0                       0                       0                       0
<TOTAL-REVENUES>                                16,024                  42,558                  11,150                  27,808
<CGS>                                                0                       0                       0                       0
<TOTAL-COSTS>                                    8,517                  20,106                   5,771                  12,912
<OTHER-EXPENSES>                                 3,368                  11,782                   2,472                   6,483
<LOSS-PROVISION>                                 1,161                   3,576                   1,010                   2,917
<INTEREST-EXPENSE>                               1,504                   3,540                     870                   2,510
<INCOME-PRETAX>                                  1,474                   3,554                   1,027                   2,986
<INCOME-TAX>                                       572                   1,528                     392                   1,284
<INCOME-CONTINUING>                                902                   2,026                     635                   1,702
<DISCONTINUED>                                       0                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                       902                   2,026                     635                   1,702
<EPS-PRIMARY>                                      .39                     .53                     .17                     .25
<EPS-DILUTED>                                      .13                     .22                     .07                     .13


</TABLE>