<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS 3-MOS <FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999 <PERIOD-START> JAN-01-2000 JAN-01-1999 <PERIOD-END> MAR-31-2000 MAR-31-1999 <CASH> 101,807 36,829 <INT-BEARING-DEPOSITS> 34,039 265,437 <FED-FUNDS-SOLD> 0 0 <TRADING-ASSETS> 161,046 75,895 <INVESTMENTS-HELD-FOR-SALE> 91,729 80,638 <INVESTMENTS-CARRYING> 0 0 <INVESTMENTS-MARKET> 0 0 <LOANS> 1,709,964 1,526,453 <ALLOWANCE> 49,377 24,549 <TOTAL-ASSETS> 2,288,326 2,204,160 <DEPOSITS> 1,681,261 1,582,132 <SHORT-TERM> 68,059 22,589 <LIABILITIES-OTHER> 111,967 68,034 <LONG-TERM> 239,497 289,870 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 97,578 127,515 <OTHER-SE> 89,306 114,064 <TOTAL-LIABILITIES-AND-EQUITY> 2,288,326 2,204,160 <INTEREST-LOAN> 44,991 47,577 <INTEREST-INVEST> 7,345 7,045 <INTEREST-OTHER> 614 1,942 <INTEREST-TOTAL> 52,950 56,564 <INTEREST-DEPOSIT> 24,228 22,634 <INTEREST-EXPENSE> 32,253 31,313 <INTEREST-INCOME-NET> 20,697 25,251 <LOAN-LOSSES> 24,019 2,200 <SECURITIES-GAINS> (602) 479 <EXPENSE-OTHER> 35,256 30,908 <INCOME-PRETAX> (27,312) 10,076 <INCOME-PRE-EXTRAORDINARY> (16,870) 6,762 <EXTRAORDINARY> 947 0 <CHANGES> 0 0 <NET-INCOME> (15,923) 6,762 <EPS-BASIC> (0.48) 0.18 <EPS-DILUTED> (0.48) 0.18 <YIELD-ACTUAL> 0 0 <LOANS-NON> 72,572 43,371 <LOANS-PAST> 0 0 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 31,841 24,880 <CHARGE-OFFS> 7,957 2,835 <RECOVERIES> 846 304 <ALLOWANCE-CLOSE> 49,377 24,549 <ALLOWANCE-DOMESTIC> 49,377 24,549 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0