<TABLE> <S> <C>

<ARTICLE> 5
<RESTATED> 
<MULTIPLIER> 1,000
<CURRENCY> NO
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JUL-01-1996             JAN-01-1996
<PERIOD-END>                               SEP-30-1996             SEP-30-1996
<EXCHANGE-RATE>                                      1                       1
<CASH>                                          20,096<F1>              20,096
<SECURITIES>                                         0                       0
<RECEIVABLES>                                  331,765                 331,765
<ALLOWANCES>                                     6,290                   6,290
<INVENTORY>                                          0                       0
<CURRENT-ASSETS>                                     0                       0
<PP&E>                                          11,556                  11,556
<DEPRECIATION>                                   2,910                   2,910
<TOTAL-ASSETS>                                 360,314                 360,314
<CURRENT-LIABILITIES>                           67,765<F2>              67,765
<BONDS>                                         39,330<F3>              39,330
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        88,786                  88,786
<OTHER-SE>                                       8,945                   8,945
<TOTAL-LIABILITY-AND-EQUITY>                   360,314<F4>             360,314
<SALES>                                              0                       0
<TOTAL-REVENUES>                                14,748                  37,392
<CGS>                                                0                       0
<TOTAL-COSTS>                                    6,706                  17,234
<OTHER-EXPENSES>                                   373                     805
<LOSS-PROVISION>                                 1,363                   3,175
<INTEREST-EXPENSE>                               1,598                   4,015
<INCOME-PRETAX>                                  4,708                  12,163
<INCOME-TAX>                                     1,583                   4,132
<INCOME-CONTINUING>                                  0                       0
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,125                   8,031
<EPS-PRIMARY>                                      .13                     .35
<EPS-DILUTED>                                      .13                     .35
<FN>
<F1>INCLUDES RESTRICTED CASH OF $19,665.
<F2>INCLUDES SECURITIZED NOTES OF $55,422.
<F3>TWO-YEAR REVOLVING CREDIT FACILITY WHICH PERMITS BORROWINGS OF UP TO $65
    MILLION AT A VARIABLE RATE ON INTEREST (8.25% AT SEPTEMBER 30, 1996).
<F4>INCLUDES DEALER HOLDBACKS OF $148,469.
        


</TABLE>