<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>                                              9-MOS
<FISCAL-YEAR-END>                                    DEC-31-1999
<PERIOD-START>                                       JAN-01-1999
<PERIOD-END>                                         SEP-30-1999
<CASH>                                                    25,246
<SECURITIES>                                              76,095
<RECEIVABLES>                                                  0
<ALLOWANCES>                                               7,963
<INVENTORY>                                                    0
<CURRENT-ASSETS>                                         340,662
<PP&E>                                                    14,248
<DEPRECIATION>                                            11,124
<TOTAL-ASSETS>                                           437,164
<CURRENT-LIABILITIES>                                    397,735
<BONDS>                                                        0
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                  24,832
<OTHER-SE>                                                14,597 <F1>
<TOTAL-LIABILITY-AND-EQUITY>                             437,164
<SALES>                                                        0
<TOTAL-REVENUES>                                          26,226
<CGS>                                                          0
<TOTAL-COSTS>                                                  0
<OTHER-EXPENSES>                                          12,155
<LOSS-PROVISION>                                             700
<INTEREST-EXPENSE>                                        7,710
<INCOME-PRETAX>                                            5,661
<INCOME-TAX>                                               2,187
<INCOME-CONTINUING>                                        3,474
<DISCONTINUED>                                             (596)
<EXTRAORDINARY>                                              276
<CHANGES>                                                      0
<NET-INCOME>                                               2,602
<EPS-BASIC>                                               1.03 <F2>
<EPS-DILUTED>                                               1.00 <F3>
<FN>
<F1>INCLUDES UNREALIZED GAIN/LOSS ON AFS OF ($332)
<F2>FROM CONTINUING OPERATIONS
<F3>FROM CONTINUING OPERATIONS
</FN>