<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                                    
<PERIOD-TYPE>                   3-MOS                   6-MOS                
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-START>                             APR-01-1998             JAN-01-1998
<PERIOD-END>                               JUN-30-1998             JUN-30-1998
<CASH>                                          20,283                  21,928
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                      2,241,849               1,655,259
<ALLOWANCE>                                     12,000                   5,500
<TOTAL-ASSETS>                               2,573,280               1,901,084
<DEPOSITS>                                   1,374,865               1,109,933
<SHORT-TERM>                                   701,500                 482,378 
<LIABILITIES-OTHER>                            354,140                 182,156 
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                           137                     137
<OTHER-SE>                                     142,638                 126,480
<TOTAL-LIABILITIES-AND-EQUITY>               2,573,280               1,901,084
<INTEREST-LOAN>                                 45,418                  82,503
<INTEREST-INVEST>                                    0                       0
<INTEREST-OTHER>                                 1,060                   1,883
<INTEREST-TOTAL>                                46,478                  84,386
<INTEREST-DEPOSIT>                              19,514                  36,243
<INTEREST-EXPENSE>                              34,003                  61,415
<INTEREST-INCOME-NET>                           12,475                  22,971
<LOAN-LOSSES>                                    5,618                   8,239
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 18,139                  33,438
<INCOME-PRETAX>                                 20,183                  32,636
<INCOME-PRE-EXTRAORDINARY>                      20,183                  32,636
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    10,183                  17,936
<EPS-PRIMARY>                                      .74                    1.31
<EPS-DILUTED>                                      .73                    1.27
<YIELD-ACTUAL>                                    2.02                    2.03
<LOANS-NON>                                     35,700                  44,300
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 7,000                   5,500
<CHARGE-OFFS>                                      618                   1,739
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                               12,000                  12,000
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                         12,000                  12,000