<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Financial Condition at March 31, 2000 and the
Consolidated Statement of Operations for the 3 months ended March 31, 2000 and
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-END>                               MAR-31-2000
<CASH>                                          51,740
<INT-BEARING-DEPOSITS>                       2,016,747
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    943,435
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,822,018
<ALLOWANCE>                                     16,836
<TOTAL-ASSETS>                               2,965,912
<DEPOSITS>                                   2,150,944
<SHORT-TERM>                                   329,989
<LIABILITIES-OTHER>                             30,369
<LONG-TERM>                                    351,869
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           100
<OTHER-SE>                                     102,641
<TOTAL-LIABILITIES-AND-EQUITY>               2,965,912
<INTEREST-LOAN>                                 34,407
<INTEREST-INVEST>                               17,330
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                51,737
<INTEREST-DEPOSIT>                              20,998
<INTEREST-EXPENSE>                              32,145
<INTEREST-INCOME-NET>                           19,592
<LOAN-LOSSES>                                      565
<SECURITIES-GAINS>                                 126
<EXPENSE-OTHER>                                 27,475
<INCOME-PRETAX>                                    155
<INCOME-PRE-EXTRAORDINARY>                         155
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       101
<EPS-BASIC>                                        .01
<EPS-DILUTED>                                      .01
<YIELD-ACTUAL>                                    7.25
<LOANS-NON>                                      6,519
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   583
<LOANS-PROBLEM>                                  6,837
<ALLOWANCE-OPEN>                                16,699
<CHARGE-OFFS>                                      443
<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                               16,836
<ALLOWANCE-DOMESTIC>                            16,836
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0