<ARTICLE> 5 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS FOUND IN THE COMPANY'S FORM 10-K FOR THE YEAR ENDED 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 22,325 <SECURITIES> 79,829 <RECEIVABLES> 0 <ALLOWANCES> 7,980 <INVENTORY> 0 <CURRENT-ASSETS> 337,897 <PP&E> 13,011 <DEPRECIATION> 9,952 <TOTAL-ASSETS> 435,130 <CURRENT-LIABILITIES> 396,005 <BONDS> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 22,732 <OTHER-SE> 16,393 <F1> <TOTAL-LIABILITY-AND-EQUITY> 435,130 <SALES> 0 <TOTAL-REVENUES> 9,570 <CGS> 0 <TOTAL-COSTS> 0 <OTHER-EXPENSES> 3,858 <LOSS-PROVISION> 100 <INTEREST-EXPENSE> 3,220 <INCOME-PRETAX> 2,392 <INCOME-TAX> 972 <INCOME-CONTINUING> 1,420 <DISCONTINUED> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,420 <EPS-BASIC> .44 <EPS-DILUTED> .43 <FN> <F1> INCLUDES UNREALIZED LOSS ON SECURITIES AFS OF (647). </FN>