<TABLE> <S> <C>

<ARTICLE> 9
<RESTATED> 
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1996             JAN-01-1996
<PERIOD-END>                               MAR-31-1996             JUN-30-1996
<EXCHANGE-RATE>                                      1                       1
<CASH>                                           9,849                   8,883
<INT-BEARING-DEPOSITS>                         711,191                 618,695
<FED-FUNDS-SOLD>                                 6,000                  25,100
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     94,753                  38,448
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        613,872                 644,305
<ALLOWANCE>                                     15,353                  15,762
<TOTAL-ASSETS>                                 773,090                 761,162
<DEPOSITS>                                     714,865                 621,965
<SHORT-TERM>                                    12,073                  87,150
<LIABILITIES-OTHER>                              5,300                   5,910
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                     11,592                  11,592
<COMMON>                                            26                      26
<OTHER-SE>                                      29,234                  34,519
<TOTAL-LIABILITIES-AND-EQUITY>                 773,090                 761,162
<INTEREST-LOAN>                                 13,782                  27,721
<INTEREST-INVEST>                                1,013                   3,124
<INTEREST-OTHER>                                     6                       0
<INTEREST-TOTAL>                                14,801                  30,845
<INTEREST-DEPOSIT>                               8,938                  18,232
<INTEREST-EXPENSE>                               9,409                  19,308
<INTEREST-INCOME-NET>                            5,392                  11,537
<LOAN-LOSSES>                                    1,410                   3,665
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  4,460                  10,433
<INCOME-PRETAX>                                    308                   5,049
<INCOME-PRE-EXTRAORDINARY>                         308                   5,049
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,561                   8,532
<EPS-PRIMARY>                                     0.75                    2.81
<EPS-DILUTED>                                     0.49                    1.72
<YIELD-ACTUAL>                                    8.05                    8.13
<LOANS-NON>                                     27,627                  22,576
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                34,440                  33,152
<LOANS-PROBLEM>                                 48,770                  66,957
<ALLOWANCE-OPEN>                                15,192                  15,192
<CHARGE-OFFS>                                    1,249                   3,095
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                               15,353                  15,762
<ALLOWANCE-DOMESTIC>                            15,353                  15,762
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>