<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>