<TABLE> <S> <C>

<ARTICLE> 5
<LEGEND>

This schedule contains summary information extracted from the condensed
consolidated  balance  sheet  at  December 31, 1999, and the  condensed
consolidated  statements  of  income  for  the  3  and  9  months ended
December 31, 1999  and 1998.   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-31-2000   MAR-31-1999   MAR-31-2000  MAR-31-1999
<PERIOD-END>               DEC-31-1999   DEC-31-1998   DEC-31-1999  DEC-31-1998
<CASH>                         243,553             0             0            0
<SECURITIES>                         0             0             0            0
<RECEIVABLES>               47,078,092             0             0            0
<ALLOWANCES>                10,227,138             0             0            0
<INVENTORY>                          0             0             0            0
<CURRENT-ASSETS>                     0             0             0            0
<PP&E>                         600,455             0             0            0
<DEPRECIATION>                 366,134             0             0            0
<TOTAL-ASSETS>              49,513,542             0             0            0
<CURRENT-LIABILITIES>       39,157,252             0             0            0
<BONDS>                              0             0             0            0
<PREFERRED-MANDATORY>                0             0             0            0
<PREFERRED>                          0             0             0            0
<COMMON>                     3,709,785             0             0            0
<OTHER-SE>                   6,646,505             0             0            0
<TOTAL-LIABILITY-AND-EQUITY>49,513,542             0             0            0
<SALES>                        133,050       121,861       398,498      339,190
<TOTAL-REVENUES>             3,619,568     2,690,943     9,852,491    7,368,963
<CGS>                           23,230        23,622        61,056       69,302
<TOTAL-COSTS>                1,473,287     1,225,604     4,035,442    3,241,500
<OTHER-EXPENSES>                22,500        34,351        68,640       88,753
<LOSS-PROVISION>               312,571       238,965       787,900      599,234
<INTEREST-EXPENSE>             725,309       560,688     2,027,462    1,799,331
<INCOME-PRETAX>              1,085,901       631,335     2,933,047    1,640,145
<INCOME-TAX>                   417,474       245,894     1,124,656      635,116
<INCOME-CONTINUING>            668,427       385,441     1,808,391    1,005,029
<DISCONTINUED>                       0             0             0            0
<EXTRAORDINARY>                      0             0             0            0
<CHANGES>                            0             0             0            0
<NET-INCOME>                   668,427       385,441     1,808,391    1,005,029
<EPS-BASIC>                      .28           .16           .77          .43
<EPS-DILUTED>                      .26           .16           .71          .41
        <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>