<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 86,722 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,469,253 <ALLOWANCE> 24,285 <TOTAL-ASSETS> 1,581,153 <DEPOSITS> 1,086,635 <SHORT-TERM> 349,000 <LIABILITIES-OTHER> 13,214 <LONG-TERM> 40,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 53 <OTHER-SE> 92,251 <TOTAL-LIABILITIES-AND-EQUITY> 1,581,153 <INTEREST-LOAN> 126,854 <INTEREST-INVEST> 5,893 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 132,747 <INTEREST-DEPOSIT> 50,831 <INTEREST-EXPENSE> 73,626 <INTEREST-INCOME-NET> 59,121 <LOAN-LOSSES> 12,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 32,363 <INCOME-PRETAX> 18,230 <INCOME-PRE-EXTRAORDINARY> 10,200 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,200 <EPS-BASIC> 1.93 <EPS-DILUTED> 1.33 <YIELD-ACTUAL> 8.68 <LOANS-NON> 44,031 <LOANS-PAST> 0 <LOANS-TROUBLED> 34,838 <LOANS-PROBLEM> 25,646 <ALLOWANCE-OPEN> 17,111 <CHARGE-OFFS> 4,872 <RECOVERIES> 46 <ALLOWANCE-CLOSE> 24,285 <ALLOWANCE-DOMESTIC> 24,285 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0