SOUTH CAROLINA		57-0669498
(State or other jurisdiction of incorporation or organization)		(IRS Employer Identification No.)

Class		Outstanding at November 11, 2002
Common Stock		6,870,390

Item No.				Page
		PART I
		Financial Information
1.		Financial Statements
		Consolidated Balance Sheets at September 30, 2002 and December 31, 2001		2
		Consolidated Statements of Income for the three-months ended September 30, 2002 and 2001		3
		Consolidated Statements of Income for the nine-months ended September 30, 2002 and 2001		4
		Consolidated Statement of Stockholder Equity for the year ended December 31, 2001 and the nine-months ended September 30, 2002		5
		Consolidated Statements of Cash Flows for the nine-months ended September 30, 2002 and 2001		6
		Notes to Consolidated Financial Statements		7
2.		Management’s Discussion and Analysis of Financial Condition and Results of Operations		12
3.		Quantitative and Qualitative Disclosures about Market Risk		16
4.		Controls and Procedures		16
		PART II
		Other Information
6.		Exhibits and Reports on Form 8-K		16
		Certifications Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

		September 30, 2002			December 31, 2001
		(Unaudited)
Assets
Cash		$	7,787,673		$	4,096,359
Finance receivables, net			178,011,344			181,255,030
Premises and equipment, net			4,745,363			4,246,816
Accounts receivable			1,007,093			1,813,743
Accounts receivable from affiliates			69,344			113,185
Repossessed automobiles			775,810			952,153
Deposit			7,866,842			6,710,692
Goodwill and other intangible assets			32,255,726			32,481,654
Deferred tax asset, net			2,910,000			2,752,000
Other assets			7,353,350			8,138,673
Total assets		$	242,782,545		$	242,560,305
Liabilities and Stockholders’ Equity
Liabilities
Accrued interest payable		$	2,201,081		$	2,194,814
Notes payable			216,706,678			225,033,166
Accounts payable			2,023,194			1,361,490
Accounts payable to related parties			1,944,625			254,043
Income taxes payable			2,356,953			2,270,068
Employee savings plan			1,595,950			1,083,594
Other liabilities			5,457,229			4,078,594
Total liabilities			232,285,710			236,275,769
Stockholders’ Equity
Preferred Stock $.01 par value:
Series A: 400,000 shares authorized; issued and outstanding 10,440 shares in 2002, 10,440 shares in 2001; liquidation value $104,400 in 2002 and 2001			104			104
Series C: 50,000 shares authorized issued and outstanding in 2002 and 2001; liquidation value $500,000 in 2002 and 2001			500			500
Series E: 800,000 shares authorized, issued and outstanding in 2002 and 2001; liquidation value $8,000,000 in 2002 and 2001			8,000			8,000
Series F: 100,000 shares authorized; issued and outstanding 20,000 shares in June 2002; liquidation value $200,000 in 2002 and 2001.			200			200
Common stock, $.01 par value, 50,000,000 shares authorized; issued and outstanding 6,870,390 in 2002; 6,849,355 shares in 2001			68,704			68,493
Additional paid-in-capital			8,863,203			8,831,599
Retained earnings (accumulated deficit)			1,556,124			(2,624,360	)
Total stockholders’ equity			10,496,835			6,284,536
Total liabilities and stockholders’ equity		$	242,782,545		$	242,560,305

		2002			2001
Interest and fee income		$	19,759,409		$	18,615,606
Interest expense			3,732,900			4,782,926
Net interest income			16,026,509			13,832,680
Provision for credit losses			5,291,894			4,601,378
Net interest income after provision for credit losses			10,734,615			9,231,302
Other income:
Insurance premiums and commissions, net			3,888,665			3,406,986
Other income			634,296			970,227
Total other income			4,522,961			4,377,213
Operating expenses:
Compensation and employee benefits			7,900,415			7,424,889
Telephone, computers			698,275			572,463
Net occupancy			1,672,285			1,652,977
Reinsurance claims expense			642,459			460,652
Advertising			713,579			719,572
Collection expense			161,535			142,358
Travel			371,845			330,032
Professional fees			343,031			258,812
Office expense			728,888			638,481
Amortization expense			170,007			608,181
Other			167,183			96,330
Total operating expenses			13,569,502			12,904,747
Income before income tax expense			1,688,074			703,768
Income tax expense			573,954			344,280
Net income			1,114,120			359,488
Dividends on preferred stock			102,014			196,236
Net income applicable to common shareholders		$	1,012,106		$	163,252
Net income per common share—basic and diluted		$	0.15		$	0.02

		2002			2001
Interest and fee income		$	58,125,642		$	54,731,895
Interest expense			11,046,329			14,589,625
Net interest income			47,079,313			40,142,270
Provision for credit losses			13,663,566			11,210,686
Net interest income after provision for credit losses			33,415,747			28,931,584
Other income:
Insurance premiums and commissions, net			11,720,577			10,305,809
Other income			2,815,955			3,277,999
Total other income			14,536,532			13,583,808
Operating expenses:
Compensation and employee benefits			24,286,603			23,032,888
Telephone, computers			1,804,786			1,729,446
Net occupancy			4,932,346			4,827,373
Reinsurance claims expense			1,574,880			1,105,598
Advertising			2,225,497			2,207,845
Collection expense			470,437			471,649
Travel			935,413			878,228
Professional fees			962,477			788,655
Office expense			1,871,277			1,872,201
Amortization expense			470,331			1,823,241
Other			1,488,589			1,482,498
Total operating expenses			41,022,636			40,219,622
Income before income tax expense			6,929,643			2,295,770
Income tax expense			2,356,951			1,095,561
Net income			4,572,692			1,200,209
Dividends on preferred stock			392,207			557,151
Net income applicable to common shareholders		$	4,180,485		$	643,058
Net income per common share—basic and diluted		$	0.61		$	0.09

		Common Stock				Preferred Stock			Additional Paid-in Capital				Retained Earnings				Total Stockholders’ Equity
Balance at December 31, 2000		$	69,743			$	8,604		$	8,610,549			$	(4,929,486	)		$	3,759,410
Cancelled 135,000 shares of common stock			(1,350	)			—			1,350				—				—
Issued 20,000 shares of Series F preferred stock							200			199,800				—				200,000
Issued 10,000 shares of common stock as compensation			100				—			19,900				—				20,000
Dividends paid on preferred stock			—				—			—				(729,497	)			(729,497	)
Net income			—				—			—