<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 123,675 <INT-BEARING-DEPOSITS> 304 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,402,267 <ALLOWANCE> 20,323 <TOTAL-ASSETS> 1,569,423 <DEPOSITS> 1,053,364 <SHORT-TERM> 0 <LIABILITIES-OTHER> 8,675 <LONG-TERM> 399,000 <PREFERRED-MANDATORY> 53 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 88,384 <TOTAL-LIABILITIES-AND-EQUITY> 1,569,423 <INTEREST-LOAN> 62,211 <INTEREST-INVEST> 2,475 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 64,686 <INTEREST-DEPOSIT> 25,054 <INTEREST-EXPENSE> 35,851 <INTEREST-INCOME-NET> 28,835 <LOAN-LOSSES> 5,500 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 16,231 <INCOME-PRETAX> 10,997 <INCOME-PRE-EXTRAORDINARY> 10,997 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,398 <EPS-BASIC> 1.22 <EPS-DILUTED> .83 <YIELD-ACTUAL> 8.75 <LOANS-NON> 32,631 <LOANS-PAST> 0 <LOANS-TROUBLED> 30,771 <LOANS-PROBLEM> 17,428 <ALLOWANCE-OPEN> 17,111 <CHARGE-OFFS> 2,288 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 20,323 <ALLOWANCE-DOMESTIC> 20,323 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0