A method and apparatus (200) for converting an analog voice channel signal and a 4-wire digital signal into a single 2-wire digital signal which can be transferred over a single twisted pair line (205). In one aspect, the method comprises the steps of converting the analog voice channel signal into a first binary signal, converting the 4-wire digital signal into a second binary signal, combining the first binary signal and the second binary signal into a higher rate binary signal, and converting the higher rate binary signal into a 2-wire digital signal which can be transmitted to another location over a single twisted pair line. In another aspect, the method comprises the steps of converting a 2-wire digital signal to a higher rate binary signal, separating a first binary signal and a second binary signal from the higher rate binary signal and converting the first binary signal into an analog voice channel signal, and converting the second binary signal into a 4-wire digital signal. The apparatus (200) includes an easily installed voice plus digital data remote terminal (203) and voice plus digital data central office terminal (201). The apparatus can provide a 3-to-1 pair gain by multiplexing signals representing the analog voice telephone signals and 4-wire digital data signals.