<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          72,149
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          53,000
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      2,677,072
<ALLOWANCE>                                   (15,150)
<TOTAL-ASSETS>                               3,092,515
<DEPOSITS>                                   1,596,003
<SHORT-TERM>                                   910,500
<LIABILITIES-OTHER>                            433,889
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           137
<OTHER-SE>                                     151,986
<TOTAL-LIABILITIES-AND-EQUITY>               3,092,515
<INTEREST-LOAN>                                 48,489
<INTEREST-INVEST>                                1,062
<INTEREST-OTHER>                                    67
<INTEREST-TOTAL>                                49,618
<INTEREST-DEPOSIT>                              21,134
<INTEREST-EXPENSE>                              35,985
<INTEREST-INCOME-NET>                           13,633
<LOAN-LOSSES>                                    4,599
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 19,650
<INCOME-PRETAX>                                 18,105
<INCOME-PRE-EXTRAORDINARY>                      18,105
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,305
<EPS-PRIMARY>                                     0.76
<EPS-DILUTED>                                     0.73
<YIELD-ACTUAL>                                    1.74
<LOANS-NON>                                     35,066
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                12,000
<CHARGE-OFFS>                                      825
<RECOVERIES>                                      (26)
<ALLOWANCE-CLOSE>                               15,150
<ALLOWANCE-DOMESTIC>                            15,150
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0