<TABLE> <S> <C>

<ARTICLE>   5
<LEGEND>

This schedule contains summary information extracted from the condensed
consolidated  balance  sheet  at  December 31, 1998, and the  condensed
consolidated  statements  of  income  for  the  3  and  9  months ended
December 31, 1998  and 1997.   Both are qualified in their entirety by
reference to such.

</LEGEND>

       
<S>                       <C>           <C>           <C>          <C>
<PERIOD-TYPE>                    3-MOS         3-MOS         9-MOS        9-MOS
<FISCAL-YEAR-END>          MAR-31-1999   MAR-31-1998   MAR-31-1999  MAR-31-1998
<PERIOD-END>               DEC-30-1998   DEC-30-1997   DEC-30-1998  DEC-30-1997
<CASH>                         392,655             0             0            0
<SECURITIES>                         0             0             0            0
<RECEIVABLES>               36,468,483             0             0            0
<ALLOWANCES>                 7,813,050             0             0            0
<INVENTORY>                          0             0             0            0
<CURRENT-ASSETS>                     0             0             0            0
<PP&E>                         691,219             0             0            0
<DEPRECIATION>                 481,550             0             0            0
<TOTAL-ASSETS>              38,852,525             0             0            0
<CURRENT-LIABILITIES>       30,817,741             0             0            0
<BONDS>                              0             0             0            0
<PREFERRED-MANDATORY>                0             0             0            0
<PREFERRED>                          0             0             0            0
<COMMON>                     3,793,997             0             0            0
<OTHER-SE>                   4,240,787             0             0            0
<TOTAL-LIABILITY-AND-EQUITY>38,852,525             0             0            0
<SALES>                        121,861       105,175       339,190      326,915
<TOTAL-REVENUES>             2,690,943     2,004,064     7,368,963    5,764,733
<CGS>                           23,622        25,531        69,302       70,166
<TOTAL-COSTS>                1,225,604       885,539     3,241,500    2,547,795
<OTHER-EXPENSES>                34,351        21,000        88,753       75,000
<LOSS-PROVISION>               238,965       250,115       599,234      530,540
<INTEREST-EXPENSE>             560,688       534,444     1,799,331    1,534,632
<INCOME-PRETAX>                631,335       312,966     1,640,145    1,076,766
<INCOME-TAX>                   245,894       124,157       635,116      421,288
<INCOME-CONTINUING>            385,441       188,809     1,005,029      655,478
<DISCONTINUED>                       0             0             0            0
<EXTRAORDINARY>                      0             0             0            0
<CHANGES>                            0             0             0            0
<NET-INCOME>                   385,441       188,809     1,005,029      655,478
<EPS-PRIMARY>                      .16           .08           .43          .28
<EPS-DILUTED>                      .16           .08           .41          .28
        <FN>

<F1> Receivables are presented net of unearned finance charges, non-refundable
     dealer reserve and allowance for doubtful accounts.

<F2> Allowances are presented and total reserves for  credit losses, comprised
     of non-refundable dealer reserve and allowances for doubtful accounts.

        


</TABLE>