<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF FIRST CHARGER CORPORATION FOR THE YEAR ENDED DECEMBER
31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             DEC-31-1998
<PERIOD-END>                               DEC-31-1999
<CASH>                                          59,967
<INT-BEARING-DEPOSITS>                           1,995
<FED-FUNDS-SOLD>                                   665
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    342,136
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,426,495
<ALLOWANCE>                                     17,339
<TOTAL-ASSETS>                               1,894,317
<DEPOSITS>                                   1,149,512
<SHORT-TERM>                                   213,955
<LIABILITIES-OTHER>                             25,117
<LONG-TERM>                                    278,021
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        99,905
<OTHER-SE>                                     127,807
<TOTAL-LIABILITIES-AND-EQUITY>               1,894,317
<INTEREST-LOAN>                                116,834
<INTEREST-INVEST>                               19,480
<INTEREST-OTHER>                                   403
<INTEREST-TOTAL>                               136,717
<INTEREST-DEPOSIT>                              44,371
<INTEREST-EXPENSE>                              22,898
<INTEREST-INCOME-NET>                           69,448
<LOAN-LOSSES>                                    3,350
<SECURITIES-GAINS>                               1,158
<EXPENSE-OTHER>                                 45,869
<INCOME-PRETAX>                                 38,442
<INCOME-PRE-EXTRAORDINARY>                      38,442
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    26,092
<EPS-BASIC>                                       1.45
<EPS-DILUTED>                                     1.45
<YIELD-ACTUAL>                                    4.17
<LOANS-NON>                                      7,738
<LOANS-PAST>                                     3,460
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                15,554
<CHARGE-OFFS>                                    1,915
<RECOVERIES>                                       719
<ALLOWANCE-CLOSE>                               17,339
<ALLOWANCE-DOMESTIC>                            17,339
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0