
<TABLE> <S> <C>


<ARTICLE>                     5
<MULTIPLIER>                  1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   DEC-31-1999
<CASH>                                                 620
<SECURITIES>                                             0
<RECEIVABLES>                                      100,978
<ALLOWANCES>                                        55,009
<INVENTORY>                                            482
<CURRENT-ASSETS>                                     7,144
<PP&E>                                              25,378
<DEPRECIATION>                                      11,249
<TOTAL-ASSETS>                                     450,146
<CURRENT-LIABILITIES>                               19,047
<BONDS>                                            164,077
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               216
<OTHER-SE>                                         203,826
<TOTAL-LIABILITY-AND-EQUITY>                       450,146
<SALES>                                                  0
<TOTAL-REVENUES>                                   232,753
<CGS>                                                    0
<TOTAL-COSTS>                                      108,177
<OTHER-EXPENSES>                                    50,043
<LOSS-PROVISION>                                    25,262
<INTEREST-EXPENSE>                                   9,299
<INCOME-PRETAX>                                     40,086
<INCOME-TAX>                                        17,117
<INCOME-CONTINUING>                                 22,969
<DISCONTINUED>                                           0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                        22,969
<EPS-BASIC>                                           1.08
<EPS-DILUTED>                                         1.05



</TABLE>
