<ARTICLE> 5
<LEGEND>
THE FOLLOWING SUMMARY FINANCIAL INFORMATION OF THE COMPANY AND ITS SUBSIDIARIES
IS QUALIFIED IN ITS ENTIRETY BY THE DETAILED INFORMATION AND FINANCIAL
STATEMENTS PREVIOUSLY FILED WITH THE SECURITIES AND EXCHANGE COMMISSION.


                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                         478,800
<SECURITIES>                                 3,263,600
<RECEIVABLES>                               61,378,800
<ALLOWANCES>                                 2,948,200
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                       1,397,900
<DEPRECIATION>                                 905,400
<TOTAL-ASSETS>                              70,469,700
<CURRENT-LIABILITIES>                                0
<BONDS>                                     40,035,100
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                    164,400
<COMMON>                                       550,600
<OTHER-SE>                                   7,349,100
<TOTAL-LIABILITY-AND-EQUITY>                70,469,700
<SALES>                                              0
<TOTAL-REVENUES>                             5,600,800
<CGS>                                                0
<TOTAL-COSTS>                                1,677,500
<OTHER-EXPENSES>                                     0
<LOSS-PROVISION>                             1,017,700
<INTEREST-EXPENSE>                           1,754,700
<INCOME-PRETAX>                              1,150,900
<INCOME-TAX>                                   394,100
<INCOME-CONTINUING>                            756,800
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   756,800
<EPS-BASIC>                                       1.59
<EPS-DILUTED>                                     1.58

<F1>FINANCIAL STATEMENTS OF THE COMPANY WERE PREPARED IN ACCORDANCE WITH FINANCIAL
INSTITUTION INDUSTRY STANDARDS. ACCORDINGLY, THE COMPANY'S BALANCE SHEETS WERE
NON-CLASSIFIED.