<TABLE> <S> <C>
                                               
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<S>                                                 <C>
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<FISCAL-YEAR-END>                                   Dec-31-1997
<PERIOD-END>                                        Dec-31-1997
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<INT-BEARING-DEPOSITS>                                           0
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<ALLOWANCE>                                                244,084
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<DEPOSITS>                                                       0
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<LIABILITIES-OTHER>                                        118,624
<LONG-TERM>                                                100,000
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<PREFERRED>                                                      0
<COMMON>                                                       192
<OTHER-SE>                                                 175,846
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<INTEREST-INCOME-NET>                                       57,243
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<EPS-PRIMARY>                                                 1.98
<EPS-DILUTED>                                                 1.88
<YIELD-ACTUAL>                                                17.2
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<LOANS-PROBLEM>                                                  0
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<CHARGE-OFFS>                                              195,535
<RECOVERIES>                                                 4,405
<ALLOWANCE-CLOSE>                                          244,084
<ALLOWANCE-DOMESTIC>                                       244,084
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0
                                                     

</TABLE>