<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>                      <C>
<PERIOD-TYPE>                   6-MOS                    3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999           DEC-31-1999
<PERIOD-START>                             JAN-01-1999           JAN-01-1999
<PERIOD-END>                               JUN-30-1999           MAR-31-1999
<CASH>                                          44,229                     0
<INT-BEARING-DEPOSITS>                          13,952                     0
<FED-FUNDS-SOLD>                               263,000                     0
<TRADING-ASSETS>                                     0                     0
<INVESTMENTS-HELD-FOR-SALE>                    392,277                     0
<INVESTMENTS-CARRYING>                           1,117                     0
<INVESTMENTS-MARKET>                           393,400                     0
<LOANS>                                      2,537,829                     0
<ALLOWANCE>                                     81,095                     0
<TOTAL-ASSETS>                               3,297,430                     0
<DEPOSITS>                                   2,618,261                     0
<SHORT-TERM>                                    20,000                     0
<LIABILITIES-OTHER>                             21,525                     0
<LONG-TERM>                                    526,478                     0
<PREFERRED-MANDATORY>                                0                     0
<PREFERRED>                                          0                     0
<COMMON>                                           195                     0
<OTHER-SE>                                         272                     0
<TOTAL-LIABILITIES-AND-EQUITY>               3,297,430                     0
<INTEREST-LOAN>                                113,769                55,809
<INTEREST-INVEST>                               16,409                 8,385
<INTEREST-OTHER>                                 4,885                 2,466
<INTEREST-TOTAL>                               135,063                66,660
<INTEREST-DEPOSIT>                              59,888                28,765
<INTEREST-EXPENSE>                              19,293                 9,472
<INTEREST-INCOME-NET>                           55,882                28,423
<LOAN-LOSSES>                                   44,800                31,800
<SECURITIES-GAINS>                                   0                     0
<EXPENSE-OTHER>                                 52,643                25,374
<INCOME-PRETAX>                               (13,623)<F2>          (15,537)<F1>
<INCOME-PRE-EXTRAORDINARY>                    (13,623)              (15,627)
<EXTRAORDINARY>                                      0                     0
<CHANGES>                                            0                     0
<NET-INCOME>                                  (13,637)              (15,634)
<EPS-BASIC>                                     (0.70)                 (.80)
<EPS-DILUTED>                                   (0.70)                 (.80)
<YIELD-ACTUAL>                                    3.22                  3.35
<LOANS-NON>                                      6,412                     0
<LOANS-PAST>                                         0                     0
<LOANS-TROUBLED>                                31,255                     0
<LOANS-PROBLEM>                                 83,423                     0
<ALLOWANCE-OPEN>                               106,171                77,898
<CHARGE-OFFS>                                 (72,856)              (29,783)
<RECOVERIES>                                     1,867                 1,180
<ALLOWANCE-CLOSE>                               81,095                81,095
<ALLOWANCE-DOMESTIC>                            81,095                81,085
<ALLOWANCE-FOREIGN>                                  0                     0
<ALLOWANCE-UNALLOCATED>                         75,414                75,414


<FN>

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

(2)  Earnings before income taxes and $14 minority interest in subsidiary which
     is included in (Expense-Other)

</FN>

</TABLE>