<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                              <C>                      <C>
<PERIOD-TYPE>                    YEAR                    3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999          DEC-31-1999
<PERIOD-START>                             JAN-01-1999          OCT-01-1999
<PERIOD-END>                               DEC-31-1999          DEC-31-1999
<CASH>                                          74,403                    0
<INT-BEARING-DEPOSITS>                          15,138                    0
<FED-FUNDS-SOLD>                                     0                    0
<TRADING-ASSETS>                                     0                    0
<INVESTMENTS-HELD-FOR-SALE>                    320,233                    0
<INVESTMENTS-CARRYING>                               0                    0
<INVESTMENTS-MARKET>                           320,233                    0
<LOANS>                                      2,229,659                    0
<ALLOWANCE>                                     60,278                    0
<TOTAL-ASSETS>                               2,683,452                    0
<DEPOSITS>                                   2,501,246                    0
<SHORT-TERM>                                    20,000                    0
<LIABILITIES-OTHER>                             14,280                    0
<LONG-TERM>                                     51,478                    0
<PREFERRED-MANDATORY>                                0                    0
<PREFERRED>                                          0                    0
<COMMON>                                           195                    0
<OTHER-SE>                                         272                    0
<TOTAL-LIABILITIES-AND-EQUITY>               2,683,452                    0
<INTEREST-LOAN>                                212,455               46,924
<INTEREST-INVEST>                               36,020                7,123
<INTEREST-OTHER>                                 2,216                  451
<INTEREST-TOTAL>                               250,691               54,498
<INTEREST-DEPOSIT>                             113,156               26,532
<INTEREST-EXPENSE>                             143,973               30,218
<INTEREST-INCOME-NET>                          106,718               24,280
<LOAN-LOSSES>                                   78,800               16,500
<SECURITIES-GAINS>                                   0                    0
<EXPENSE-OTHER>                                102,168               24,456
<INCOME-PRETAX>                               (24,862)<F2>          (8,846)<F1>
<INCOME-PRE-EXTRAORDINARY>                    (24,862)              (8,846)
<EXTRAORDINARY>                                      0                    0
<CHANGES>                                            0                    0
<NET-INCOME>                                  (24,890)              (8,853)
<EPS-BASIC>                                     (1.28)               (0.45)
<EPS-DILUTED>                                   (1.28)               (0.45)
<YIELD-ACTUAL>                                    3.36                 3.56
<LOANS-NON>                                      6,945                    0
<LOANS-PAST>                                    20,515                    0
<LOANS-TROUBLED>                                30,851                    0
<LOANS-PROBLEM>                                 71,874                    0
<ALLOWANCE-OPEN>                               106,171               70,590
<CHARGE-OFFS>                                (131,295)             (28,329)
<RECOVERIES>                                     5,100                1,517
<ALLOWANCE-CLOSE>                               60,278               60,278
<ALLOWANCE-DOMESTIC>                            60,278               60,278
<ALLOWANCE-FOREIGN>                                  0                    0
<ALLOWANCE-UNALLOCATED>                         56,376               56,376


<FN>

(1)  Earnings before income taxes and $7 minority interest in subsidiary which
     is included in (Expense-Other)

(2)  Earnings before income taxes and $28 minority interest in subsidiary which
     is included in (Expense-Other)
</FN>

</TABLE>