<ARTICLE> 9
<LEGEND>METROPOLITAN FINANCIAL CORP. DECEMBER 31, 1999 ANNUAL REPORT, INCLUDING
THE CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION, CONSOLIDATED STATEMENTS OF
OPERATIONS. CONSOLIDATED STATEMENTS OF CASH FLOWS, AND THE ACCOMPANYING NOTES.
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          19,001
<INT-BEARING-DEPOSITS>                           2,700
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    291,556
<INVESTMENTS-CARRYING>                          15,879
<INVESTMENTS-MARKET>                            16,055
<LOANS>                                      1,201,697
<ALLOWANCE>                                     11,025
<TOTAL-ASSETS>                               1,608,119
<DEPOSITS>                                   1,136,630
<SHORT-TERM>                                   182,878
<LIABILITIES-OTHER>                             22,475
<LONG-TERM>                                    177,518
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      44,868
<TOTAL-LIABILITIES-AND-EQUITY>               1,608,119
<INTEREST-LOAN>                                 93,961
<INTEREST-INVEST>                               17,960
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               111,921
<INTEREST-DEPOSIT>                              55,289
<INTEREST-EXPENSE>                              73,644
<INTEREST-INCOME-NET>                           38,277
<LOAN-LOSSES>                                    6,310
<SECURITIES-GAINS>                                (71)
<EXPENSE-OTHER>                                 32,591
<INCOME-PRETAX>                                  6,531
<INCOME-PRE-EXTRAORDINARY>                       4,511
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,511
<EPS-BASIC>                                       0.57
<EPS-DILUTED>                                     0.57
<YIELD-ACTUAL>                                    2.73
<LOANS-NON>                                      8,933
<LOANS-PAST>                                       448
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,909
<CHARGE-OFFS>                                    2,240
<RECOVERIES>                                        46
<ALLOWANCE-CLOSE>                               11,025
<ALLOWANCE-DOMESTIC>                            11,025
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0