<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 283,938 <INT-BEARING-DEPOSITS> 14,187 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 70,993 <INVESTMENTS-HELD-FOR-SALE> 69,937 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,672,882 <ALLOWANCE> 31,792 <TOTAL-ASSETS> 2,325,312 <DEPOSITS> 1,711,397 <SHORT-TERM> 40,544 <LIABILITIES-OTHER> 58,002 <LONG-TERM> 289,847 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 128,711 <OTHER-SE> 96,784 <TOTAL-LIABILITIES-AND-EQUITY> 2,325,312 <INTEREST-LOAN> 149,227 <INTEREST-INVEST> 19,294 <INTEREST-OTHER> 4,844 <INTEREST-TOTAL> 173,365 <INTEREST-DEPOSIT> 62,253 <INTEREST-EXPENSE> 89,473 <INTEREST-INCOME-NET> 83,892 <LOAN-LOSSES> 16,800 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 87,453 <INCOME-PRETAX> (113,500) <INCOME-PRE-EXTRAORDINARY> (80,279) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (80,279) <EPS-PRIMARY> (2.07) <EPS-DILUTED> (2.07) <YIELD-ACTUAL> 0 <LOANS-NON> 52,030 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 38,047 <CHARGE-OFFS> 30,320 <RECOVERIES> 2,015 <ALLOWANCE-CLOSE> 28,305 <ALLOWANCE-DOMESTIC> 31,792 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0