<TABLE> <S> <C>

<ARTICLE> 9
<RESTATED> 
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997             DEC-31-1996
<PERIOD-START>                             JAN-01-1997             JAN-01-1997             JAN-01-1997             JAN-01-1996
<PERIOD-END>                               MAR-31-1997             JUN-30-1997             SEP-30-1997             DEC-31-1996
<CASH>                                           9,324                   9,505                   7,656                  82,578
<INT-BEARING-DEPOSITS>                         703,662                 750,312                 770,913                 720,724
<FED-FUNDS-SOLD>                                 6,700                   7,500                  10,600                  11,300
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0                       0                  38,371
<INVESTMENTS-CARRYING>                               0                       0                       0                       0
<INVESTMENTS-MARKET>                                 0                       0                       0                       0
<LOANS>                                        698,225                 727,434                 767,096                 672,401
<ALLOWANCE>                                     13,657                  12,381                  13,253                  13,515
<TOTAL-ASSETS>                                 837,975                 863,096                 891,163                 847,195
<DEPOSITS>                                     708,113                 754,390                 776,277                 717,809
<SHORT-TERM>                                    73,353                  52,475                  52,560                  62,307
<LIABILITIES-OTHER>                              8,353                   4,967                   7,461                  23,157
<LONG-TERM>                                          0                       0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                     11,592                  11,592                  11,592                  11,592
<COMMON>                                            26                      30                      31                      26
<OTHER-SE>                                      32,506                  39,642                  43,242                  32,304
<TOTAL-LIABILITIES-AND-EQUITY>                 837,975                 863,096                 891,163                 847,195
<INTEREST-LOAN>                                 16,330                  32,681                  50,480                  59,722
<INTEREST-INVEST>                                1,501                   3,074                   4,657                   5,632
<INTEREST-OTHER>                                     0                  35,755                       0                       0
<INTEREST-TOTAL>                                17,007                       0                  55,137                  65,354
<INTEREST-DEPOSIT>                               8,892                  18,278                  28,467                  35,568
<INTEREST-EXPENSE>                              10,155                  20,981                  32,256                  39,960
<INTEREST-INCOME-NET>                            6,852                  14,774                  22,881                  25,394
<LOAN-LOSSES>                                    1,220                   2,239                   3,739                   6,067
<SECURITIES-GAINS>                                   0                    (10)                    (11)                     248
<EXPENSE-OTHER>                                  5,684                  10,930                  15,643                  23,424
<INCOME-PRETAX>                                    667                   3,156                   6,395                   1,125
<INCOME-PRE-EXTRAORDINARY>                         667                   3,156                   6,395                   1,125
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                     1,359                   4,783                   7,997                   7,507
<EPS-PRIMARY>                                     0.29                    1.31                    2.16                    1.95
<EPS-DILUTED>                                     0.16                    0.73                    1.20                    1.17
<YIELD-ACTUAL>                                    8.51                    8.77                    8.88                    8.43
<LOANS-NON>                                     26,685                  16,778                  12,248                  28,624
<LOANS-PAST>                                         0                       0                       0                       0
<LOANS-TROUBLED>                                58,413                  43,556                  45,018                  39,084
<LOANS-PROBLEM>                                 49,370                  41,319                  56,939                  46,987
<ALLOWANCE-OPEN>                                13,515                  13,515                  13,515                  15,192
<CHARGE-OFFS>                                    1,078                   3,373                   4,001                   7,744
<RECOVERIES>                                         0                       0                       0                       0
<ALLOWANCE-CLOSE>                               13,657                  12,381                  13,253                  13,515
<ALLOWANCE-DOMESTIC>                            13,657                  12,381                  13,253                  13,515
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0                       0
        

</TABLE>