<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 1998 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>                                               6-MOS
<FISCAL-YEAR-END>                                     DEC-31-1999
<PERIOD-START>                                        JAN-01-1999
<PERIOD-END>                                          JUN-30-1999
<CASH>                                                     30,685
<SECURITIES>                                               64,849
<RECEIVABLES>                                                   0
<ALLOWANCES>                                                8,001
<INVENTORY>                                                     0
<CURRENT-ASSETS>                                          340,484
<PP&E>                                                     16,084
<DEPRECIATION>                                             12,235
<TOTAL-ASSETS>                                            431,866
<CURRENT-LIABILITIES>                                     391,600
<BONDS>                                                         0
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<COMMON>                                                   26,015
<OTHER-SE>                                                 14,251 <F1>
<TOTAL-LIABILITY-AND-EQUITY>                              431,866
<SALES>                                                         0
<TOTAL-REVENUES>                                           21,918
<CGS>                                                           0
<TOTAL-COSTS>                                                   0
<OTHER-EXPENSES>                                           11,578
<LOSS-PROVISION>                                              500
<INTEREST-EXPENSE>                                          5,825
<INCOME-PRETAX>                                             4,015
<INCOME-TAX>                                                1,503
<INCOME-CONTINUING>                                             0
<DISCONTINUED>                                                  0
<EXTRAORDINARY>                                               276
<CHANGES>                                                       0
<NET-INCOME>                                                2,236
<EPS-BASIC>                                                 .66 <F2>
<EPS-DILUTED>                                                 .64 <F3>
<FN>
<F1>INCLUDES UNREALIZED GAIN ON SECURITIES AFS OF (312)
<F2>AFTER EXTRAORDINARY ITEM OF 276, BEFORE EXTRAORDINARY
ITEM PRIMARY .74.
<F3> AFTER EXTRAORDINARY ITEM OF 276, BEFORE EXTRAORDINARY
ITEM DILUTED .72.
</FN>