WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.<TABLE> <S> <C><ARTICLE>    5<LEGEND>    This schedule contains summary information extracted from thecondensed consolidated balance sheet at September 30, 2000, and teh condensedconsolidated statements of income for the 3 and 6 months ended September 30,2000 and 1999. Both are qualified in their entirety by reference to such<S>                                                      <C>                           <C>                           <C>                     <C><PERIOD-TYPE>                                          3-MOS                         3-MOS                         6-MOS                   6-MOS<PERIOD-START><FISCAL-YEAR-END>                                Mar-31-2001                   Mar-31-2000                   Mar-31-2001             Mar-31-2000<PERIOD-END>                                     Sep-30-2000                   Sep-30-1999                   Sep-30-2000             Sep-30-1999<CASH>                                                98,221                       141,178                        98,221                 141,178<SECURITIES>                                               0                             0                             0                       0<RECEIVABLES>                                     60,568,456                    43,585,089                    60,568,456              43,585,089<ALLOWANCES>                                      12,988,235                     9,806,620                    12,988,235               9,806,620<INVENTORY>                                                0                             0                             0                       0<CURRENT-ASSETS>                                           0                             0                             0                       0<PP&E>                                               820,950                       568,290                       820,950                 568,290<DEPRECIATION>                                       453,761                       361,227                       453,761                 361,227<TOTAL-ASSETS>                                    62,820,796                    45,842,740                    62,820,796              45,842,740<CURRENT-LIABILITIES>                                      0                             0                             0                       0<BONDS>                                                    0                             0                             0                       0<PREFERRED-MANDATORY>                                      0                             0                             0                       0<PREFERRED>                                                0                             0                             0                       0<COMMON>                                           3,666,097                     3,712,748                     3,666,097               3,712,748<OTHER-SE>                                                 0                             0                             0                       0<TOTAL-LIABILITY-AND-EQUITY>                      62,820,796                    45,842,740                    62,820,796              45,842,740<SALES>                                               99,057                       130,000                       215,867                 265,448<TOTAL-REVENUES>                                   4,349,612                     3,262,293                     8,375,937               6,232,922<CGS>                                                 19,771                        22,295                        45,628                  37,826<TOTAL-COSTS>                                      1,684,675                     1,304,269                     3,332,946               2,562,154<OTHER-EXPENSES>                                      39,000                        22,000                        66,000                  46,140<LOSS-PROVISION>                                     305,079                       224,651                       676,789                 475,329<INTEREST-EXPENSE>                                   955,488                       678,644                     1,790,511               1,302,153<INCOME-PRETAX>                                    1,365,370                     1,032,729                     2,509,691               1,847,146<INCOME-TAX>                                         526,951                       394,912                       967,958                 707,182<INCOME-CONTINUING>                                  838,419                       637,817                     1,541,733               1,139,964<DISCONTINUED>                                             0                             0                             0                       0<EXTRAORDINARY>                                            0                             0                             0                       0<CHANGES>                                                  0                             0                             0                       0<NET-INCOME>                                         838,419                       637,817                     1,541,733               1,139,964<EPS-BASIC>                                            $0.36                         $0.27                         $0.66                   $0.48<EPS-DILUTED>                                          $0.33                         $0.25                         $0.61                   $0.45</TABLE>