<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S BALANCE SHEET AS OF SEPTEMBER 30, 2000 AND STATEMENT OF EARNINGS FOR
THE NINE MONTHS ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                                            <C>
<PERIOD-TYPE>                                  9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                         24,865
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    33,720
<INVESTMENTS-CARRYING>                         13,382
<INVESTMENTS-MARKET>                           13,225
<LOANS>                                        587,542
<ALLOWANCE>                                    226,488
<TOTAL-ASSETS>                                 711,898
<DEPOSITS>                                     448,872
<SHORT-TERM>                                   21,479
<LIABILITIES-OTHER>                            155,893
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       95,616
<OTHER-SE>                                     (9,962)
<TOTAL-LIABILITIES-AND-EQUITY>                 711,898
<INTEREST-LOAN>                                36,299
<INTEREST-INVEST>                              3,132
<INTEREST-OTHER>                               2,614
<INTEREST-TOTAL>                               42,045
<INTEREST-DEPOSIT>                             18,640
<INTEREST-EXPENSE>                             26,108
<INTEREST-INCOME-NET>                          15,937
<LOAN-LOSSES>                                  (4,227)
<SECURITIES-GAINS>                             (452)
<EXPENSE-OTHER>                                31,838
<INCOME-PRETAX>                                7,100
<INCOME-PRE-EXTRAORDINARY>                     3,957
<EXTRAORDINARY>                                239
<CHANGES>                                      0
<NET-INCOME>                                   4,196
<EPS-BASIC>                                    0.21
<EPS-DILUTED>                                  0.21
<YIELD-ACTUAL>                                 0
<LOANS-NON>                                    0
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               264,498
<CHARGE-OFFS>                                  33,197
<RECOVERIES>                                   332
<ALLOWANCE-CLOSE>                              226,488
<ALLOWANCE-DOMESTIC>                           226,488
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0




</TABLE>