<ARTICLE> 9 <CIK> 0000710507 <NAME> First Banks, Inc. <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-mos <FISCAL-YEAR-END> Dec-31-1999 <PERIOD-START> Jan-31-1999 <PERIOD-END> Jun-30-1999 <CASH> 138,686 <INT-BEARING-DEPOSITS> 2,232 <FED-FUNDS-SOLD> 28,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 374,978 <INVESTMENTS-CARRYING> 22,136 <INVESTMENTS-MARKET> 22,373 <LOANS> 3,768,094 <ALLOWANCE> 64,977 <TOTAL-ASSETS> 4,572,869 <DEPOSITS> 3,990,490 <SHORT-TERM> 77,855 <LIABILITIES-OTHER> 99,818 <LONG-TERM> 127,527 <PREFERRED-MANDATORY> 0 <PREFERRED> 13,063 <COMMON> 5,915 <OTHER-SE> 258,201 <TOTAL-LIABILITIES-AND-EQUITY> 4,572,869 <INTEREST-LOAN> 153,639 <INTEREST-INVEST> 14,107 <INTEREST-OTHER> 455 <INTEREST-TOTAL> 168,201 <INTEREST-DEPOSIT> 70,737 <INTEREST-EXPENSE> 77,116 <INTEREST-INCOME-NET> 91,085 <LOAN-LOSSES> 5,863 <SECURITIES-GAINS> 489 <EXPENSE-OTHER> 72,735 <INCOME-PRETAX> 35,605 <INCOME-PRE-EXTRAORDINARY> 35,605 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 21,830 <EPS-BASIC> 908.75 <EPS-DILUTED> 877.36 <YIELD-ACTUAL> 8.10 <LOANS-NON> 40,861 <LOANS-PAST> 6,957 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 82,963 <ALLOWANCE-OPEN> 60,970 <CHARGE-OFFS> 7,528 <RECOVERIES> 4,206 <ALLOWANCE-CLOSE> 64,977 <ALLOWANCE-DOMESTIC> 54,330 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 10,647