<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 57,550 <INT-BEARING-DEPOSITS> 54,682 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 72,206 <INVESTMENTS-HELD-FOR-SALE> 75,804 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,537,613 <ALLOWANCE> 31,347 <TOTAL-ASSETS> 2,004,617 <DEPOSITS> 1,406,570 <SHORT-TERM> 31,220 <LIABILITIES-OTHER> 58,888 <LONG-TERM> 289,883 <PREFERRED-MANDATORY> 30,000 <PREFERRED> 0 <COMMON> 97,453 <OTHER-SE> 88,765 <TOTAL-LIABILITIES-AND-EQUITY> 2,004,617 <INTEREST-LOAN> 89,705 <INTEREST-INVEST> 13,063 <INTEREST-OTHER> 2,545 <INTEREST-TOTAL> 105,313 <INTEREST-DEPOSIT> 42,608 <INTEREST-EXPENSE> 59,694 <INTEREST-INCOME-NET> 45,619 <LOAN-LOSSES> 24,455 <SECURITIES-GAINS> 1,265 <EXPENSE-OTHER> 60,660 <INCOME-PRETAX> (33,156) <INCOME-PRE-EXTRAORDINARY> (19,139) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (19,139) <EPS-BASIC> (.53) <EPS-DILUTED> (.53) <YIELD-ACTUAL> 0 <LOANS-NON> 65,054 <LOANS-PAST> 3,079 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 24,881 <CHARGE-OFFS> 19,149 <RECOVERIES> 1,160 <ALLOWANCE-CLOSE> 31,347 <ALLOWANCE-DOMESTIC> 31,347 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0