<TABLE> <S> <C>
                                               
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<MULTIPLIER>                                                  1000
                                                     
<S>                                                 <C>
<PERIOD-TYPE>                                       12-mos
<FISCAL-YEAR-END>                                   Dec-31-1998
<PERIOD-END>                                        Dec-31-1998
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<INT-BEARING-DEPOSITS>                                           0
<FED-FUNDS-SOLD>                                            15,060
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                      0
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<INVESTMENTS-MARKET>                                             0
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<ALLOWANCE>                                                393,283
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<DEPOSITS>                                                       0
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<LONG-TERM>                                                300,896
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<PREFERRED>                                                201,000
<COMMON>                                                       193
<OTHER-SE>                                                 231,689
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<INTEREST-DEPOSIT>                                               0
<INTEREST-EXPENSE>                                          30,513
<INTEREST-INCOME-NET>                                       82,698
<LOAN-LOSSES>                                               77,770
<SECURITIES-GAINS>                                               0
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<INCOME-PRETAX>                                             93,248
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<EXTRAORDINARY>                                                  0
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<EPS-PRIMARY>                                                 2.92
<EPS-DILUTED>                                                 2.82
<YIELD-ACTUAL>                                                17.8
<LOANS-NON>                                                      0
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<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
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<CHARGE-OFFS>                                              420,875
<RECOVERIES>                                                15,798
<ALLOWANCE-CLOSE>                                          393,283
<ALLOWANCE-DOMESTIC>                                       393,283
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0
                                                     

</TABLE>