<ARTICLE> 9
<MULTIPLIER> 1,000

                              
<PERIOD-TYPE>                    3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          57,645
<INT-BEARING-DEPOSITS>                          99,161
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    285,404
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                           285,404
<LOANS>                                      1,876,979
<ALLOWANCE>                                     49,010
<TOTAL-ASSETS>                               2,373,788
<DEPOSITS>                                   2,213,212
<SHORT-TERM>                                     6,000
<LIABILITIES-OTHER>                             25,482
<LONG-TERM>                                     51,478
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           195
<OTHER-SE>                                         272
<TOTAL-LIABILITIES-AND-EQUITY>               2,373,788
<INTEREST-LOAN>                                 45,051
<INTEREST-INVEST>                                6,838
<INTEREST-OTHER>                                   434
<INTEREST-TOTAL>                                52,323
<INTEREST-DEPOSIT>                              27,279
<INTEREST-EXPENSE>                               1,752
<INTEREST-INCOME-NET>                           23,292
<LOAN-LOSSES>                                    8,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 29,010
<INCOME-PRETAX>                               (19,183)<F2>
<INCOME-PRE-EXTRAORDINARY>                    (19,183)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (19,190)
<EPS-BASIC>                                     (0.99)
<EPS-DILUTED>                                   (0.99)
<YIELD-ACTUAL>                                    3.56
<LOANS-NON>                                      5,513
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                28,259
<LOANS-PROBLEM>                                 57,828
<ALLOWANCE-OPEN>                                60,278
<CHARGE-OFFS>                                 (19,929)
<RECOVERIES>                                       661
<ALLOWANCE-CLOSE>                               49,010
<ALLOWANCE-DOMESTIC>                            49,010
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         46,248


<FN>

(1)  Earnings before income taxes and $7 minority interest in subsidiary which
     is included in (Expense-Other)

</FN>