<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENT OF FINANCIAL CONDITION AT DECEMBER 31, 1998 AND THE
CONSOLIDATED STATEMENT OF OPERATIONS FOR THE YEAR ENDED DECEMBER 31, 1998 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                         100,823
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                30,005
<INVESTMENTS-HELD-FOR-SALE>                    597,520
<INVESTMENTS-CARRYING>                          51,811
<INVESTMENTS-MARKET>                            51,811
<LOANS>                                      2,635,369
<ALLOWANCE>                                     37,950
<TOTAL-ASSETS>                               3,788,975
<DEPOSITS>                                   1,925,772
<SHORT-TERM>                                   336,986
<LIABILITIES-OTHER>                            145,734
<LONG-TERM>                                  1,140,043
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           372
<OTHER-SE>                                     240,068
<TOTAL-LIABILITIES-AND-EQUITY>               3,788,975
<INTEREST-LOAN>                                209,156
<INTEREST-INVEST>                               44,982
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               254,138
<INTEREST-DEPOSIT>                              66,714
<INTEREST-EXPENSE>                             151,853
<INTEREST-INCOME-NET>                          102,285
<LOAN-LOSSES>                                   21,788
<SECURITIES-GAINS>                               1,207
<EXPENSE-OTHER>                                120,665
<INCOME-PRETAX>                                 16,712
<INCOME-PRE-EXTRAORDINARY>                      16,712
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    (8,034)
<EPS-BASIC>                                      (0.21)
<EPS-DILUTED>                                    (0.20)
<YIELD-ACTUAL>                                    7.83
<LOANS-NON>                                     23,364
<LOANS-PAST>                                     3,182
<LOANS-TROUBLED>                                     7
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                28,450
<CHARGE-OFFS>                                   16,095
<RECOVERIES>                                     3,050
<ALLOWANCE-CLOSE>                               37,950
<ALLOWANCE-DOMESTIC>                            37,555
<ALLOWANCE-FOREIGN>                                395
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>