WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE>  5

<LEGEND>

This schedule contains summary information extracted from the condensed
consolidated balance sheet at December 31, 1996 and the condensed consolidated
statements of income for the three months ended December 31, 1996 and
December 31, 1995 and is qualified in its entirety by reference to
such. </LEGEND>
       
<S>                                      <C>                     <C>
<PERIOD-TYPE>                                    3-MOS                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-1997             MAR-31-1996
<PERIOD-END>                               DEC-31-1996             DEC-31-1995
<CASH>                                         188,785                       0
<SECURITIES>                                         0                       0
<RECEIVABLES>                               21,225,550                       0
<ALLOWANCES>                                 3,608,569                       0
<INVENTORY>                                          0                       0
<CURRENT-ASSETS>                                     0                       0
<PP&E>                                         513,761                       0
<DEPRECIATION>                                 318,850                       0
<TOTAL-ASSETS>                              22,428,094                       0
<CURRENT-LIABILITIES>                       16,617,555                       0
<BONDS>                                              0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                     3,712,003                       0
<OTHER-SE>                                   2,098,536                       0
<TOTAL-LIABILITY-AND-EQUITY>                22,428,094                       0
<SALES>                                        112,301                 145,822
<TOTAL-REVENUES>                             1,456,755               1,509,460 
<CGS>                                           23,053                  36,779
<TOTAL-COSTS>                                  595,920                 625,629
<OTHER-EXPENSES>                               653,208                 613,573
<LOSS-PROVISION>                               177,000                 177,673
<INTEREST-EXPENSE>                             395,867                 411,177
<INCOME-PRETAX>                                207,627                 270,258
<INCOME-TAX>                                    82,080                  98,760
<INCOME-CONTINUING>                            125,547                 171,498
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   125,547                 171,498
<EPS-PRIMARY>                                      .02                     .03
<EPS-DILUTED>                                      .02                     .03

<F1> [RECEIVABLES] ARE PRESENTED NET OF UNEARNED FINANCE CHARGES, NON-
      REFUNDABLE DEALER RESERVE AND ALLOWANCE FOR DOUBTFUL ACCOUNTS.
<F2> [ALLOWANCES] ARE PRESENTED AS TOTAL RESERVES, COMPRISED OF NON-
      REFUNDABLE DEALER RESERVE AND ALLOWANCE FOR DOUBTFUL ACCOUNTS.
        


</TABLE>