<ARTICLE> 9
       
                                                  
<PERIOD-TYPE>                   6-MOS                           12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-START>                             JAN-01-1997             JAN-01-1996
<PERIOD-END>                               JUN-30-1997             DEC-31-1996
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<INT-BEARING-DEPOSITS>                               0                       0
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<INVESTMENTS-CARRYING>                               0                       0
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<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                        380,262,223             250,176,230
<LONG-TERM>                                  9,670,000               9,670,000
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<COMMON>                                         1,000                   1,000
<OTHER-SE>                                  45,893,160              29,143,241
<TOTAL-LIABILITIES-AND-EQUITY>             435,826,382             288,990,472
<INTEREST-LOAN>                                      0                       0
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<LOAN-LOSSES>                                1,349,023               3,640,727
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                      0                       0
<INCOME-PRETAX>                             17,425,529              18,300,104
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<CHANGES>                                            0                       0
<NET-INCOME>                                16,749,920              17,659,600
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