<TABLE> <S> <C>

<ARTICLE> 5
<LEGEND>

This schedule contains summary information extracted from the condensed
consolidated  balance  sheet  at  September 30, 1998, and the condensed
consolidated  statements  of  income  for  the  3  and  6  months ended
September 30, 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         6-MOS        6-MOS
<FISCAL-YEAR-END>          MAR-31-1999   MAR-31-1998   MAR-31-1999  MAR-31-1998
<PERIOD-END>               SEP-30-1998   SEP-30-1997   SEP-30-1998  SEP-30-1997
<CASH>                         163,677             0             0            0
<SECURITIES>                         0             0             0            0
<RECEIVABLES>               35,442,748             0             0            0
<ALLOWANCES>                 7,550,146             0             0            0
<INVENTORY>                          0             0             0            0
<CURRENT-ASSETS>                     0             0             0            0
<PP&E>                         676,101             0             0            0
<DEPRECIATION>                 447,199             0             0            0
<TOTAL-ASSETS>              37,393,611             0             0            0
<CURRENT-LIABILITIES>       29,798,196             0             0            0
<BONDS>                              0             0             0            0
<PREFERRED-MANDATORY>                0             0             0            0
<PREFERRED>                          0             0             0            0
<COMMON>                     3,740,069             0             0            0
<OTHER-SE>                   3,855,346             0             0            0
<TOTAL-LIABILITY-AND-EQUITY>37,393,611             0             0            0
<SALES>                        107,536       112,259       217,329      221,740
<TOTAL-REVENUES>             2,490,141     1,959,380     4,678,021    3,760,669
<CGS>                           22,976        23,259        45,677       44,636
<TOTAL-COSTS>                1,064,475       874,074     2,015,897    1,662,256
<OTHER-EXPENSES>                28,951        28,500        54,402       54,000
<LOSS-PROVISION>               175,812       148,103       360,269      280,425
<INTEREST-EXPENSE>             635,580       500,954     1,238,643    1,000,188
<INCOME-PRETAX>                585,323       407,749     1,008,810      763,800
<INCOME-TAX>                   225,959       157,626       389,222      297,131
<INCOME-CONTINUING>            359,364       250,123       619,588      466,669
<DISCONTINUED>                       0             0             0            0
<EXTRAORDINARY>                      0             0             0            0
<CHANGES>                            0             0             0            0
<NET-INCOME>                   359,364       250,123       619,588      466,669
<EPS-PRIMARY>                      .15           .11           .26          .20
<EPS-DILUTED>                      .15           .11           .26          .20
        <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>