<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AS OF JUNE 30, 1999, CONSOLIDATED STATEMENT OF INCOME
FOR THE SIX MONTHS ENDED JUNE 30, 1999, SCHEDULES AND OTHER REQUIRED DISCLOSURES
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE COMPANY'S JUNE 30, 1999
FORM 10-Q.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          53,268
<INT-BEARING-DEPOSITS>                             235
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    284,307
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      3,302,590
<ALLOWANCE>                                     24,489
<TOTAL-ASSETS>                               3,977,561
<DEPOSITS>                                   2,557,362
<SHORT-TERM>                                   298,450
<LIABILITIES-OTHER>                            147,798
<LONG-TERM>                                     51,669
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       205,456
<OTHER-SE>                                      45,134
<TOTAL-LIABILITIES-AND-EQUITY>               3,977,561
<INTEREST-LOAN>                                121,907
<INTEREST-INVEST>                               20,144
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               142,051
<INTEREST-DEPOSIT>                              54,088
<INTEREST-EXPENSE>                              82,558
<INTEREST-INCOME-NET>                           59,493
<LOAN-LOSSES>                                    8,100
<SECURITIES-GAINS>                             (6,588)
<EXPENSE-OTHER>                                133,748
<INCOME-PRETAX>                                (8,927)
<INCOME-PRE-EXTRAORDINARY>                     (8,927)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (8,353)
<EPS-BASIC>                                      (.20)
<EPS-DILUTED>                                    (.20)
<YIELD-ACTUAL>                                    3.13
<LOANS-NON>                                     15,023
<LOANS-PAST>                                       245
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  9,509
<ALLOWANCE-OPEN>                                21,446
<CHARGE-OFFS>                                    5,335
<RECOVERIES>                                       278
<ALLOWANCE-CLOSE>                               24,489
<ALLOWANCE-DOMESTIC>                            24,489
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,740