<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENT OF FINANCIAL CONDITION AT DECEMBER 31, 1999 AND THE
CONSOLIDATED STATEMENT OF OPERATIONS FOR THE YEAR ENDED DECEMBER 31, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                               1
<INT-BEARING-DEPOSITS>                          90,070
<FED-FUNDS-SOLD>                                   313
<TRADING-ASSETS>                                23,111
<INVESTMENTS-HELD-FOR-SALE>                    818,308
<INVESTMENTS-CARRYING>                         113,000
<INVESTMENTS-MARKET>                           113,000
<LOANS>                                      2,689,708
<ALLOWANCE>                                     44,450
<TOTAL-ASSETS>                               4,159,901
<DEPOSITS>                                   2,027,892
<SHORT-TERM>                                   861,297
<LIABILITIES-OTHER>                             65,291
<LONG-TERM>                                    969,535
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           426
<OTHER-SE>                                     235,460
<TOTAL-LIABILITIES-AND-EQUITY>               4,159,901
<INTEREST-LOAN>                                219,705
<INTEREST-INVEST>                               66,232
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               285,937
<INTEREST-DEPOSIT>                              76,875
<INTEREST-EXPENSE>                             168,671
<INTEREST-INCOME-NET>                          117,266
<LOAN-LOSSES>                                   30,658
<SECURITIES-GAINS>                               1,928
<EXPENSE-OTHER>                                139,779
<INCOME-PRETAX>                                 46,898
<INCOME-PRE-EXTRAORDINARY>                      46,898
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    30,869
<EPS-BASIC>                                       0.77
<EPS-DILUTED>                                     0.62
<YIELD-ACTUAL>                                    7.77
<LOANS-NON>                                     42,741
<LOANS-PAST>                                       410
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                37,950
<CHARGE-OFFS>                                   27,691
<RECOVERIES>                                     4,533
<ALLOWANCE-CLOSE>                               44,450
<ALLOWANCE-DOMESTIC>                            43,850
<ALLOWANCE-FOREIGN>                                600
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>