
<TABLE> <S> <C>

<ARTICLE> 5
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           2,262
<SECURITIES>                                         0
<RECEIVABLES>                                   30,841
<ALLOWANCES>                                    16,150
<INVENTORY>                                        269
<CURRENT-ASSETS>                                18,234
<PP&E>                                           7,650
<DEPRECIATION>                                   3,718
<TOTAL-ASSETS>                                 157,854
<CURRENT-LIABILITIES>                           12,959
<BONDS>                                         95,477
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      6,217
<COMMON>                                            58
<OTHER-SE>                                      24,845
<TOTAL-LIABILITY-AND-EQUITY>                   157,854
<SALES>                                              0
<TOTAL-REVENUES>                                42,558
<CGS>                                                0
<TOTAL-COSTS>                                   20,106
<OTHER-EXPENSES>                                11,782
<LOSS-PROVISION>                                 3,576
<INTEREST-EXPENSE>                               3,540
<INCOME-PRETAX>                                  3,554
<INCOME-TAX>                                     1,528
<INCOME-CONTINUING>                              2,026
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,026
<EPS-PRIMARY>                                      .22
<EPS-DILUTED>                                      .22
        

</TABLE>
