<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-START>                             APR-01-1996             JAN-01-1996
<PERIOD-END>                               JUN-30-1996             JUN-30-1996
<CASH>                                               0                  59,226
<INT-BEARING-DEPOSITS>                               0                   6,526
<FED-FUNDS-SOLD>                                     0                   7,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                 268,129
<INVESTMENTS-CARRYING>                               0                  50,752
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                              0               2,883,582
<ALLOWANCE>                                          0                  73,722
<TOTAL-ASSETS>                                       0               3,296,633
<DEPOSITS>                                           0               2,552,946
<SHORT-TERM>                                         0                 265,056
<LIABILITIES-OTHER>                                  0                  31,882
<LONG-TERM>                                          0                 220,001
<PREFERRED-MANDATORY>                                0                  51,750
<PREFERRED>                                          0                       0
<COMMON>                                             0                     182
<OTHER-SE>                                           0                 174,816
<TOTAL-LIABILITIES-AND-EQUITY>                       0               3,296,633
<INTEREST-LOAN>                                 54,096                 110,276
<INTEREST-INVEST>                                4,733                   7,959
<INTEREST-OTHER>                                   727                   1,375
<INTEREST-TOTAL>                                59,556                 119,610
<INTEREST-DEPOSIT>                              29,787                  60,822
<INTEREST-EXPENSE>                               8,003                  15,184
<INTEREST-INCOME-NET>                           21,766                  43,604
<LOAN-LOSSES>                                    3,905                   7,810
<SECURITIES-GAINS>                                 235                     152
<EXPENSE-OTHER>                                 18,353                  37,435
<INCOME-PRETAX>                                  2,275                   3,846
<INCOME-PRE-EXTRAORDINARY>                       2,275                   3,846
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,222                   3,753
<EPS-PRIMARY>                                      .04                     .04
<EPS-DILUTED>                                      .04                     .04
<YIELD-ACTUAL>                                    2.66                    2.68
<LOANS-NON>                                          0                  43,292
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                  57,079
<LOANS-PROBLEM>                                      0                 251,847
<ALLOWANCE-OPEN>                                81,430                  89,435
<CHARGE-OFFS>                                   12,564                  25,010
<RECOVERIES>                                       951                   1,492
<ALLOWANCE-CLOSE>                               73,722                  73,722
<ALLOWANCE-DOMESTIC>                            73,722                  73,722
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                         32,053                  32,053