
<TABLE> <S> <C>

<ARTICLE> 5
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                             356
<SECURITIES>                                         0
<RECEIVABLES>                                  103,301
<ALLOWANCES>                                    55,408
<INVENTORY>                                        384
<CURRENT-ASSETS>                                 7,063
<PP&E>                                          26,769
<DEPRECIATION>                                  12,084
<TOTAL-ASSETS>                                 461,248
<CURRENT-LIABILITIES>                           23,107
<BONDS>                                        164,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           216
<OTHER-SE>                                     210,044
<TOTAL-LIABILITY-AND-EQUITY>                   461,248
<SALES>                                              0
<TOTAL-REVENUES>                                68,174
<CGS>                                                0
<TOTAL-COSTS>                                   32,784
<OTHER-EXPENSES>                                14,404
<LOSS-PROVISION>                                 7,066
<INTEREST-EXPENSE>                               3,289
<INCOME-PRETAX>                                 10,676
<INCOME-TAX>                                     4,559
<INCOME-CONTINUING>                              6,117
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,117
<EPS-BASIC>                                        .28
<EPS-DILUTED>                                      .28


</TABLE>
