<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                          24,031
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                54,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      6,006
<INVESTMENTS-CARRYING>                           6,073
<INVESTMENTS-MARKET>                           967,131
<LOANS>                                      2,122,416
<ALLOWANCE>                                   (18,771)
<TOTAL-ASSETS>                               3,361,014
<DEPOSITS>                                   1,583,509
<SHORT-TERM>                                 1,548,000
<LIABILITIES-OTHER>                             49,898
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           219
<OTHER-SE>                                     179,388
<TOTAL-LIABILITIES-AND-EQUITY>               3,361,014
<INTEREST-LOAN>                                 38,192
<INTEREST-INVEST>                               15,591
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                53,783
<INTEREST-DEPOSIT>                              17,956
<INTEREST-EXPENSE>                              39,001
<INTEREST-INCOME-NET>                           14,782
<LOAN-LOSSES>                                    1,050
<SECURITIES-GAINS>                                 121
<EXPENSE-OTHER>                                  8,476
<INCOME-PRETAX>                                  6,328
<INCOME-PRE-EXTRAORDINARY>                       6,328
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,328
<EPS-PRIMARY>                                     0.30
<EPS-DILUTED>                                     0.30
<YIELD-ACTUAL>                                    6.61
<LOANS-NON>                                      7,485
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 4,985
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                18,897
<CHARGE-OFFS>                                  (1,181)
<RECOVERIES>                                         5
<ALLOWANCE-CLOSE>                               18,771
<ALLOWANCE-DOMESTIC>                            18,771
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0