<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1000
       
<S>                             <C>                     
<PERIOD-TYPE>                   3-MOS                   
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999  
<PERIOD-END>                               MAR-31-1999
<CASH>                                          52,164  
<INT-BEARING-DEPOSITS>                         406,938
<FED-FUNDS-SOLD>                                     0  
<TRADING-ASSETS>                                     0  
<INVESTMENTS-HELD-FOR-SALE>                    338,704
<INVESTMENTS-CARRYING>                           1,101  
<INVESTMENTS-MARKET>                           339,815  
<LOANS>                                      2,662,181  
<ALLOWANCE>                                     77,898  
<TOTAL-ASSETS>                               3,548,653  
<DEPOSITS>                                   2,759,998  
<SHORT-TERM>                                    20,000  
<LIABILITIES-OTHER>                             21,830  
<LONG-TERM>                                    616,478  
<PREFERRED-MANDATORY>                              195  
<PREFERRED>                                          0  
<COMMON>                                             0  
<OTHER-SE>                                         272<F1>  
<TOTAL-LIABILITIES-AND-EQUITY>               3,548,653
<INTEREST-LOAN>                                 57,960  
<INTEREST-INVEST>                                9,636  
<INTEREST-OTHER>                                   807  
<INTEREST-TOTAL>                                68,403  
<INTEREST-DEPOSIT>                              31,123  
<INTEREST-EXPENSE>                               9,821  
<INTEREST-INCOME-NET>                           27,459  
<LOAN-LOSSES>                                   13,000  
<SECURITIES-GAINS>                                   0  
<EXPENSE-OTHER>                                 27,269  
<INCOME-PRETAX>                                  2,004<F2>
<INCOME-PRE-EXTRAORDINARY>                       2,004<F2>
<EXTRAORDINARY>                                     0     
<CHANGES>                                           0     
<NET-INCOME>                                    1,997    
<EPS-PRIMARY>                                     .10     
<EPS-DILUTED>                                     .10     
<YIELD-ACTUAL>                                   3.08     
<LOANS-NON>                                    13,137
<LOANS-PAST>                                        0     
<LOANS-TROUBLED>                               48,020     
<LOANS-PROBLEM>                                88,623     
<ALLOWANCE-OPEN>                              106,171     
<CHARGE-OFFS>                                  43,073     
<RECOVERIES>                                      687     
<ALLOWANCE-CLOSE>                              77,898     
<ALLOWANCE-DOMESTIC>                           77,898     
<ALLOWANCE-FOREIGN>                                 0     
<ALLOWANCE-UNALLOCATED>                        70,606     
        

<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)

</FN>

</TABLE>