
<TABLE> <S> <C>

<ARTICLE> 5
<MULTIPLIER> 1,000
       
<S>                                        <C>                     <C>                     <C>
<PERIOD-TYPE>                              YEAR                    YEAR                    6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1996             JUN-30-1997
<PERIOD-START>                             JAN-01-1995             JAN-01-1996             JAN-01-1997
<PERIOD-END>                               DEC-31-1995             DEC-31-1996             JUN-30-1997
<CASH>                                              58                   2,262                   1,035
<SECURITIES>                                         0                       0                       0
<RECEIVABLES>                                    4,037                  30,841                  34,163
<ALLOWANCES>                                     1,923                  16,150                  17,950
<INVENTORY>                                        162                     269                     290
<CURRENT-ASSETS>                                 2,464                  18,234                  18,620
<PP&E>                                           2,324                   7,650                   9,220
<DEPRECIATION>                                     864                   3,718                   3,883
<TOTAL-ASSETS>                                  20,034                 157,854                 161,331
<CURRENT-LIABILITIES>                            1,027                  12,959                  13,548
<BONDS>                                         15,146                  95,477                  95,642
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                      6,085                  18,427                  18,616
<COMMON>                                            14                      43                      44
<OTHER-SE>                                      (2,238)                 12,650                  15,583
<TOTAL-LIABILITY-AND-EQUITY>                    20,034                 157,854                 161,331
<SALES>                                              0                       0                       0
<TOTAL-REVENUES>                                16,024                  42,558                  44,844
<CGS>                                                0                       0                       0
<TOTAL-COSTS>                                    8,517                  20,106                  20,313
<OTHER-EXPENSES>                                 3,368                  11,782                  12,320
<LOSS-PROVISION>                                 1,161                   3,576                   4,116
<INTEREST-EXPENSE>                               1,504                   3,540                   4,057
<INCOME-PRETAX>                                  1,474                   3,554                   4,038
<INCOME-TAX>                                       572                   1,528                   1,736
<INCOME-CONTINUING>                                902                   2,026                   2,302
<DISCONTINUED>                                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                       902                   2,026                   2,302
<EPS-PRIMARY>                                      .11                     .22                     .19
<EPS-DILUTED>                                      .11                     .22                     .19
        

</TABLE>
