<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                         124,749
<INT-BEARING-DEPOSITS>                         104,049
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                               156,971
<INVESTMENTS-HELD-FOR-SALE>                     74,190
<INVESTMENTS-CARRYING>                         231,161
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,763,975
<ALLOWANCE>                                     50,142
<TOTAL-ASSETS>                               2,403,496
<DEPOSITS>                                   1,826,507
<SHORT-TERM>                                    52,776
<LIABILITIES-OTHER>                             72,296
<LONG-TERM>                                    286,440
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        94,257
<OTHER-SE>                                      71,220
<TOTAL-LIABILITIES-AND-EQUITY>               2,403,496
<INTEREST-LOAN>                                 97,180
<INTEREST-INVEST>                               15,116
<INTEREST-OTHER>                                 1,238
<INTEREST-TOTAL>                               113,524
<INTEREST-DEPOSIT>                              51,244
<INTEREST-EXPENSE>                              67,661
<INTEREST-INCOME-NET>                           45,873
<LOAN-LOSSES>                                   87,175
<SECURITIES-GAINS>                              12,931
<EXPENSE-OTHER>                                 58,763
<INCOME-PRETAX>                               (61,297)
<INCOME-PRE-EXTRAORDINARY>                    (36,795)
<EXTRAORDINARY>                                  2,093
<CHANGES>                                            0
<NET-INCOME>                                  (34,702)
<EPS-BASIC>                                     (1.05)
<EPS-DILUTED>                                   (1.05)
<YIELD-ACTUAL>                                   11.19
<LOANS-NON>                                    101,097
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                31,841
<CHARGE-OFFS>                                   70,830
<RECOVERIES>                                     1,317
<ALLOWANCE-CLOSE>                               50,142
<ALLOWANCE-DOMESTIC>                            50,142
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0