<ARTICLE> 5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF HOMEGOLD FINANCIAL, INC. AND SUBSIDIARIES FOR THE SIX
MONTHS ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.

<CIK> 0000277028
<NAME> HOMEGOLD FINANCIAL, INC.
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          17,676
<SECURITIES>                                         0
<RECEIVABLES>                                  128,885
<ALLOWANCES>                                     4,275
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                          29,971
<DEPRECIATION>                                   7,205
<TOTAL-ASSETS>                                 271,579
<CURRENT-LIABILITIES>                                0
<BONDS>                                              0
<PREFERRED-MANDATORY>                           10,000
<PREFERRED>                                          0
<COMMON>                                            17
<OTHER-SE>                                     (9,255)
<TOTAL-LIABILITY-AND-EQUITY>                   271,579
<SALES>                                              0
<TOTAL-REVENUES>                                21,760
<CGS>                                                0
<TOTAL-COSTS>                                   40,132
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                                 1,642
<INTEREST-EXPENSE>                               8,884
<INCOME-PRETAX>                               (18,372)
<INCOME-TAX>                                       335
<INCOME-CONTINUING>                           (18,708)
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                    318
<CHANGES>                                            0
<NET-INCOME>                                  (18,390)
<EPS-BASIC>                                       1.52
<EPS-DILUTED>                                     1.52
<FN>
*FOOTNOTE (1) Unclassified Balance Sheet