WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998            DEC-31-1998
<PERIOD-START>                             OCT-01-1998            JAN-01-1998
<PERIOD-END>                               DEC-31-1998            DEC-31-1998
<CASH>                                               0                146,613
<INT-BEARING-DEPOSITS>                               0                233,894
<FED-FUNDS-SOLD>                                     0                      0
<TRADING-ASSETS>                                     0                      0
<INVESTMENTS-HELD-FOR-SALE>                          0                493,807
<INVESTMENTS-CARRYING>                               0                  1,084
<INVESTMENTS-MARKET>                                 0                494,906
<LOANS>                                              0              2,771,747
<ALLOWANCE>                                          0                106,171
<TOTAL-ASSETS>                                       0              3,712,059
<DEPOSITS>                                           0              2,922,531
<SHORT-TERM>                                         0                      0
<LIABILITIES-OTHER>                                  0                 25,390
<LONG-TERM>                                          0                636,478
<PREFERRED-MANDATORY>                                0                      0
<PREFERRED>                                          0                      0
<COMMON>                                             0                    195
<OTHER-SE>                                           0                127,466<F1>
<TOTAL-LIABILITIES-AND-EQUITY>                       0              3,712,059
<INTEREST-LOAN>                                 60,433                225,029
<INTEREST-INVEST>                               10,380                 71,618
<INTEREST-OTHER>                                 1,348                  3,700
<INTEREST-TOTAL>                                72,161                300,347
<INTEREST-DEPOSIT>                              35,589                145,020
<INTEREST-EXPENSE>                              10,002                 64,184
<INTEREST-INCOME-NET>                           26,570                 91,143
<LOAN-LOSSES>                                   15,000                 73,032
<SECURITIES-GAINS>                                 542                  (860)
<EXPENSE-OTHER>                                 29,499                107,622
<INCOME-PRETAX>                                  1,105<F2>           (52,430)<F3>
<INCOME-PRE-EXTRAORDINARY>                       1,105<F2>           (52,430)<F3>
<EXTRAORDINARY>                                     0                      0
<CHANGES>                                           0                      0
<NET-INCOME>                                    1,098               (56,328)
<EPS-PRIMARY>                                     .06                 (2.90)
<EPS-DILUTED>                                     .06                 (2.90)
<YIELD-ACTUAL>                                   2.93                   2.22
<LOANS-NON>                                         0                 14,371
<LOANS-PAST>                                        0                      0
<LOANS-TROUBLED>                                    0                 48,018
<LOANS-PROBLEM>                                     0                108,355
<ALLOWANCE-OPEN>                               99,022                 50,538
<CHARGE-OFFS>                                  11,280                 25,366
<RECOVERIES>                                      524                  5,062
<ALLOWANCE-CLOSE>                             106,171                106,171
<ALLOWANCE-DOMESTIC>                          106,171                106,171
<ALLOWANCE-FOREIGN>                                 0                      0
<ALLOWANCE-UNALLOCATED>                        98,229                 98,229
        

<FN>

(1)  Includes minority interest: preferred stock of consolidated subsidiary of 
     $272.

(2)  Earnings before income taxes and $7 minority interest in subsidiary which 
     is included in [EXPENSE-OTHER]

(3)  Earnings before income taxes and $28 minority interest in subsidiary which
     is included in [EXPENSE-OTHER]

</FN>

</TABLE>