
<TABLE> <S> <C>

<ARTICLE> 5
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-START>                             JUL-01-1998             JAN-01-1998
<PERIOD-END>                               SEP-30-1998             SEP-30-1998
<CASH>                                               0                   3,941
<SECURITIES>                                         0                       0
<RECEIVABLES>                                        0                  73,868
<ALLOWANCES>                                         0                  41,977
<INVENTORY>                                          0                     300
<CURRENT-ASSETS>                                     0                   3,132
<PP&E>                                               0                  17,642
<DEPRECIATION>                                       0                   9,200
<TOTAL-ASSETS>                                       0                 332,612
<CURRENT-LIABILITIES>                                0                  16,015
<BONDS>                                              0                 111,647
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                     208
<OTHER-SE>                                           0                 169,255
<TOTAL-LIABILITY-AND-EQUITY>                         0                 332,612
<SALES>                                              0                       0
<TOTAL-REVENUES>                                47,005                 125,822
<CGS>                                                0                       0
<TOTAL-COSTS>                                   20,677                  55,889
<OTHER-EXPENSES>                                10,587                  27,868
<LOSS-PROVISION>                                 4,843                  12,887
<INTEREST-EXPENSE>                               2,097                   5,714
<INCOME-PRETAX>                                  8,801                  23,464
<INCOME-TAX>                                     3,793                  10,171
<INCOME-CONTINUING>                              5,008                  13,293
<DISCONTINUED>                                       0                       0
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     5,008                  13,293
<EPS-PRIMARY>                                      .24                     .66
<EPS-DILUTED>                                      .23                     .64
        

</TABLE>
