<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                              <C>                      <C>
<PERIOD-TYPE>                    6-MOS                    3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000          DEC-31-2000
<PERIOD-START>                             JAN-01-2000          APR-01-2000
<PERIOD-END>                               JUN-30-2000          JUN-30-2000
<CASH>                                          15,181                    0
<INT-BEARING-DEPOSITS>                         160,308                    0
<FED-FUNDS-SOLD>                                     0                    0
<TRADING-ASSETS>                                     0                    0
<INVESTMENTS-HELD-FOR-SALE>                    254,587                    0
<INVESTMENTS-CARRYING>                               0                    0
<INVESTMENTS-MARKET>                           254,587                    0
<LOANS>                                      1,677,580                    0
<ALLOWANCE>                                     12,010                    0
<TOTAL-ASSETS>                               2,243,422                    0
<DEPOSITS>                                   2,116,507                    0
<SHORT-TERM>                                         0                    0
<LIABILITIES-OTHER>                             19,543                    0
<LONG-TERM>                                     51,478                    0
<PREFERRED-MANDATORY>                                0                    0
<PREFERRED>                                          0                    0
<COMMON>                                           195                    0
<OTHER-SE>                                         272                    0
<TOTAL-LIABILITIES-AND-EQUITY>               2,243,422                    0
<INTEREST-LOAN>                                 68,596               32,335
<INTEREST-INVEST>                               13,722                6,884
<INTEREST-OTHER>                                 1,016                  582
<INTEREST-TOTAL>                                83,334               39,801
<INTEREST-DEPOSIT>                              52,311               25,032
<INTEREST-EXPENSE>                                 102                  240
<INTEREST-INCOME-NET>                           30,921               14,529
<LOAN-LOSSES>                                    (958)              (1,500)
<SECURITIES-GAINS>                                   0                    0
<EXPENSE-OTHER>                                 36,515               18,096
<INCOME-PRETAX>                                 26,677                6,050
<INCOME-PRE-EXTRAORDINARY>                      26,677                6,050
<EXTRAORDINARY>                                      0                    0
<CHANGES>                                            0                    0
<NET-INCOME>                                  (41,025)              (21,835)
<EPS-BASIC>                                     (2.11)               (1.12)
<EPS-DILUTED>                                   (2.11)               (1.12)
<YIELD-ACTUAL>                                    2.69                 2.71
<LOANS-NON>                                      2,377                    0
<LOANS-PAST>                                         0                    0
<LOANS-TROUBLED>                                24,855                    0
<LOANS-PROBLEM>                                 41,881                    0
<ALLOWANCE-OPEN>                                62,950               51,693
<CHARGE-OFFS>                                 (49,752)             (29,823)
<RECOVERIES>                                     4,423                3,751
<ALLOWANCE-CLOSE>                               31,921               31,921
<ALLOWANCE-DOMESTIC>                            31,921               31,921
<ALLOWANCE-FOREIGN>                                  0                    0
<ALLOWANCE-UNALLOCATED>                          9,574                9,574


</TABLE>