<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1999 DEC-31-1998 <PERIOD-START> JAN-01-1999 JAN-01-1998 <PERIOD-END> SEP-30-1999 SEP-30-1998 <CASH> 123,737 283,939 <INT-BEARING-DEPOSITS> 5,808 14,187 <FED-FUNDS-SOLD> 0 0 <TRADING-ASSETS> 71,622 70,993 <INVESTMENTS-HELD-FOR-SALE> 71,717 69,937 <INVESTMENTS-CARRYING> 0 0 <INVESTMENTS-MARKET> 0 0 <LOANS> 1,642,641 1,669,306 <ALLOWANCE> 28,444 28,216 <TOTAL-ASSETS> 2,110,500 2,325,312 <DEPOSITS> 1,571,732 1,711,397 <SHORT-TERM> 1,220 40,544 <LIABILITIES-OTHER> 51,384 58,002 <LONG-TERM> 259,513 289,847 <PREFERRED-MANDATORY> 30,000 0 <PREFERRED> 0 0 <COMMON> 96,928 128,711 <OTHER-SE> 97,533 96,784 <TOTAL-LIABILITIES-AND-EQUITY> 2,110,500 2,094,389 <INTEREST-LOAN> 133,121 149,227 <INTEREST-INVEST> 18,507 19,294 <INTEREST-OTHER> 3,163 4,844 <INTEREST-TOTAL> 154,791 173,365 <INTEREST-DEPOSIT> 63,886 62,253 <INTEREST-EXPENSE> 90,090 89,473 <INTEREST-INCOME-NET> 64,701 83,892 <LOAN-LOSSES> 28,130 16,800 <SECURITIES-GAINS> 3,098 (564) <EXPENSE-OTHER> 86,539 87,453 <INCOME-PRETAX> (23,684) (113,500) <INCOME-PRE-EXTRAORDINARY> (14,566) (80,279) <EXTRAORDINARY> 3,670 0 <CHANGES> 0 0 <NET-INCOME> (10,896) (80,279) <EPS-BASIC> (0.31) (2.07) <EPS-DILUTED> (0.31) (2.07) <YIELD-ACTUAL> 0 0 <LOANS-NON> 58,661 48,248 <LOANS-PAST> 11,500 0 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 24,881 26,954 <CHARGE-OFFS> 25,790 17,553 <RECOVERIES> 1,223 2,015 <ALLOWANCE-CLOSE> 28,444 28,216 <ALLOWANCE-DOMESTIC> 28,444 28,216 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0