2003              2002             2001
CASH FLOWS FROM FINANCING ACTIVITIES:
  Proceeds from notes payable                              226,367,253        205,224,166        176,562,187
  Principal payments of notes payable (194,185,553)       (194,165,519)      (123,901,830)       (93,668,864)
  Proceeds from financing agreements                       101,322,968         74,886,326         38,495,144
  Payments on financing agreements                         (89,565,036)       (70,871,468)       (32,973,967)
  Principal payments of subordinated debentures                      -            (24,262)           (48,263)
                                                         -------------      -------------      -------------
           Net cash provided by financing activities        43,939,632         85,312,932         88,366,237
                                                         -------------      -------------      -------------

NET INCREASE IN CASH AND CASH EQUIVALENTS                    3,842,266          2,792,448            571,816
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR                10,576,610          7,784,162          7,212,346
                                                         -------------      -------------      -------------

CASH AND CASH EQUIVALENTS, END OF YEAR                   $  14,418,876      $  10,576,610      $   7,784,162
                                                         =============      =============      =============
SUPPLEMENTAL DISCLOSURES OF CASH
  FLOW INFORMATION:
  Cash payments for interest                             $  21,204,660      $  19,404,197      $  18,931,784
                                                         =============      =============      =============
  Cash  payments for taxes                               $   5,713,700      $   5,425,000      $      56,875
                                                         =============      =============      =============