
<TABLE> <S> <C>

<ARTICLE> 5
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                             397
<SECURITIES>                                         0
<RECEIVABLES>                                   50,043
<ALLOWANCES>                                    26,523
<INVENTORY>                                        268
<CURRENT-ASSETS>                                26,717
<PP&E>                                          11,810
<DEPRECIATION>                                   5,568
<TOTAL-ASSETS>                                 269,227
<CURRENT-LIABILITIES>                           14,589
<BONDS>                                         72,354
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           196
<OTHER-SE>                                     144,621
<TOTAL-LIABILITY-AND-EQUITY>                   269,227
<SALES>                                              0
<TOTAL-REVENUES>                               108,406
<CGS>                                                0
<TOTAL-COSTS>                                   48,833
<OTHER-EXPENSES>                                27,076
<LOSS-PROVISION>                                10,892
<INTEREST-EXPENSE>                               8,763
<INCOME-PRETAX>                                 12,842
<INCOME-TAX>                                     5,522
<INCOME-CONTINUING>                              7,320
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,320
<EPS-PRIMARY>                                      .80
<EPS-DILUTED>                                      .53


</TABLE>
