<TABLE> <S> <C>

<ARTICLE> 5

<LEGEND>

This schedule contains summary information extracted from the condensed
consolidated  balance  sheet  at  September 30, 1999, and the condensed
consolidated  statements  of  income  for  the  3  and  6  months ended
September 30, 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         6-MOS        6-MOS
<FISCAL-YEAR-END>          MAR-31-2000   MAR-31-1999   MAR-31-2000  MAR-31-1999
<PERIOD-END>               SEP-30-1999   SEP-30-1998   SEP-30-1999  SEP-30-1998
<CASH>                         141,178             0             0            0
<SECURITIES>                         0             0             0            0
<RECEIVABLES>               43,567,292             0             0            0
<ALLOWANCES>                 9,806,620             0             0            0
<INVENTORY>                          0             0             0            0
<CURRENT-ASSETS>                     0             0             0            0
<PP&E>                         568,290             0             0            0
<DEPRECIATION>                 361,227             0             0            0
<TOTAL-ASSETS>              45,842,740             0             0            0
<CURRENT-LIABILITIES>       36,151,914             0             0            0
<BONDS>                              0             0             0            0
<PREFERRED-MANDATORY>                0             0             0            0
<PREFERRED>                          0             0             0            0
<COMMON>                     3,712,748             0             0            0
<OTHER-SE>                   5,978,078             0             0            0
<TOTAL-LIABILITY-AND-EQUITY>45,842,740             0             0            0
<SALES>                        130,000       107,536       265,448      217,329
<TOTAL-REVENUES>             3,262,293     2,490,141     6,232,922    4,678,021
<CGS>                           22,295        22,976        37,826       45,677
<TOTAL-COSTS>                1,304,269     1,064,475     2,562,154    2,015,897
<OTHER-EXPENSES>                22,000        28,951        46,140       54,402
<LOSS-PROVISION>               224,651       175,812       475,329      360,269
<INTEREST-EXPENSE>             678,644       635,580     1,302,153    1,238,643
<INCOME-PRETAX>              1,032,729       585,323     1,847,146    1,008,810
<INCOME-TAX>                   394,912       225,959       707,182      389,222
<INCOME-CONTINUING>            637,817       359,364     1,139,964      619,588
<DISCONTINUED>                       0             0             0            0
<EXTRAORDINARY>                      0             0             0            0
<CHANGES>                            0             0             0            0
<NET-INCOME>                   637,817       359,364     1,139,964      619,588
<EPS-BASIC>                      .27           .15           .48          .26
<EPS-DILUTED>                      .25           .15           .45          .26
        <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>