<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                              <C>                      <C>
<PERIOD-TYPE>                    9-MOS                    3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999          DEC-31-1999
<PERIOD-START>                             JAN-01-1999          JUL-01-1999
<PERIOD-END>                               SEP-30-1999          SEP-30-1999
<CASH>                                          44,520                    0
<INT-BEARING-DEPOSITS>                         163,976                    0
<FED-FUNDS-SOLD>                                     0                    0
<TRADING-ASSETS>                                     0                    0
<INVESTMENTS-HELD-FOR-SALE>                    364,918                    0
<INVESTMENTS-CARRYING>                           1,134                    0
<INVESTMENTS-MARKET>                           366,054                    0
<LOANS>                                      2,341,286                    0
<ALLOWANCE>                                     70,590                    0
<TOTAL-ASSETS>                               2,958,297                    0
<DEPOSITS>                                   2,480,446                    0
<SHORT-TERM>                                    20,000                    0
<LIABILITIES-OTHER>                             23,687                    0
<LONG-TERM>                                    326,478                    0
<PREFERRED-MANDATORY>                                0                    0
<PREFERRED>                                          0                    0
<COMMON>                                           195                    0
<OTHER-SE>                                         272                    0
<TOTAL-LIABILITIES-AND-EQUITY>               2,958,297                    0
<INTEREST-LOAN>                                165,531               51,762
<INTEREST-INVEST>                               17,012                6,101
<INTEREST-OTHER>                                13,650                3,267
<INTEREST-TOTAL>                               196,193               61,130
<INTEREST-DEPOSIT>                              86,623               26,735
<INTEREST-EXPENSE>                              27,132                7,839
<INTEREST-INCOME-NET>                           82,438               26,556
<LOAN-LOSSES>                                   62,300               17,500
<SECURITIES-GAINS>                                   0                    0
<EXPENSE-OTHER>                                 77,712               25,839
<INCOME-PRETAX>                               (16,016)<F2>          (2,393)<F1>
<INCOME-PRE-EXTRAORDINARY>                    (16,016)              (2,393)
<EXTRAORDINARY>                                      0                    0
<CHANGES>                                            0                    0
<NET-INCOME>                                  (16,037)              (2,400)
<EPS-BASIC>                                     (0.82)                (.12)
<EPS-DILUTED>                                   (0.82)                (.12)
<YIELD-ACTUAL>                                    3.29                 3.45
<LOANS-NON>                                      7,108                    0
<LOANS-PAST>                                         0                    0
<LOANS-TROUBLED>                                25,022                    0
<LOANS-PROBLEM>                                 78,685                    0
<ALLOWANCE-OPEN>                               106,171               81,095
<CHARGE-OFFS>                                (101,855)             (29,477)
<RECOVERIES>                                     3,974                1,472
<ALLOWANCE-CLOSE>                               70,590               70,590
<ALLOWANCE-DOMESTIC>                            70,590               70,590
<ALLOWANCE-FOREIGN>                                  0                    0
<ALLOWANCE-UNALLOCATED>                         65,550               65,550


<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>