<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S BALANCE SHEET AS OF SEPTEMBER 30, 1999 AND STATEMENT OF EARNINGS FOR
THE NINE MONTHS ENDED SEPTEMBER 30, 1999 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>                                           7,802
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    105,087
<INVESTMENTS-CARRYING>                         105,087
<INVESTMENTS-MARKET>                           105,087
<LOANS>                                         30,393
<ALLOWANCE>                                      3,016
<TOTAL-ASSETS>                                 234,464
<DEPOSITS>                                           0
<SHORT-TERM>                                   121,662
<LIABILITIES-OTHER>                             11,720
<LONG-TERM>                                     48,986
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       166,981
<OTHER-SE>                                   (114,885)
<TOTAL-LIABILITIES-AND-EQUITY>                 234,464
<INTEREST-LOAN>                                  4,081
<INTEREST-INVEST>                               12,025
<INTEREST-OTHER>                                 2,063
<INTEREST-TOTAL>                                18,169
<INTEREST-DEPOSIT>                                   0
<INTEREST-EXPENSE>                               9,841
<INTEREST-INCOME-NET>                            8,328
<LOAN-LOSSES>                                  (1,150)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 37,059
<INCOME-PRETAX>                               (27,581)
<INCOME-PRE-EXTRAORDINARY>                    (27,581)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (27,781)
<EPS-BASIC>                                     (2.42)
<EPS-DILUTED>                                   (2.42)
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                     3,180
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                11,107
<CHARGE-OFFS>                                    4,804
<RECOVERIES>                                       388
<ALLOWANCE-CLOSE>                                3,016
<ALLOWANCE-DOMESTIC>                               406
<ALLOWANCE-FOREIGN>                              2,049
<ALLOWANCE-UNALLOCATED>                            561