<TABLE> <S> <C>

<ARTICLE>                       9
<RESTATED>
<MULTIPLIER>                    1000
<FISCAL-YEAR-END>                 DEC-31-1996   DEC-31-1995
<PERIOD-START>                    JAN-01-1996   JAN-01-1995
<PERIOD-END>                      DEC-31-1996   DEC-31-1995
<PERIOD-TYPE>                            YEAR          YEAR
<CASH>                                 30,884        50,962
<INT-BEARING-DEPOSITS>                      0             0
<FED-FUNDS-SOLD>                      130,200       113,200
<TRADING-ASSETS>                            0             0
<INVESTMENTS-HELD-FOR-SALE>           336,118       292,374
<INVESTMENTS-CARRYING>                 75,555        69,326
<INVESTMENTS-MARKET>                   75,751        69,766
<LOANS>                               804,182       748,565
<ALLOWANCE>                            (9,167)       (9,318)
<TOTAL-ASSETS>                      1,420,933     1,313,987
<DEPOSITS>                            825,257       784,957
<SHORT-TERM>                          289,948       230,216
<LIABILITIES-OTHER>                    96,048        90,755
<LONG-TERM>                            69,042        75,109
<PREFERRED-MANDATORY>                       0             0
<PREFERRED>                                 0             0
<COMMON>                               26,144        25,218
<OTHER-SE>                            114,494       107,732
<TOTAL-LIABILITIES-AND-EQUITY>      1,420,933     1,313,987
<INTEREST-LOAN>                        73,220        69,499
<INTEREST-INVEST>                      19,806        17,602
<INTEREST-OTHER>                        7,759         3,494
<INTEREST-TOTAL>                      100,785        90,595
<INTEREST-DEPOSIT>                     30,662        29,245
<INTEREST-EXPENSE>                     47,979        42,451
<INTEREST-INCOME-NET>                  52,806        48,144
<LOAN-LOSSES>                             414         6,047
<SECURITIES-GAINS>                        129          (665)
<EXPENSE-OTHER>                        44,577        41,844
<INCOME-PRETAX>                        22,342        11,444
<INCOME-PRE-EXTRAORDINARY>             22,342        11,444
<EXTRAORDINARY>                             0             0
<CHANGES>                                   0             0
<NET-INCOME>                           15,029         8,066
<EPS-PRIMARY>                            1.55          0.84
<EPS-DILUTED>                            1.54          0.83
<YIELD-ACTUAL>                           4.39          4.54
<LOANS-NON>                             3,424        14,301
<LOANS-PAST>                              925           842
<LOANS-TROUBLED>                            0             0
<LOANS-PROBLEM>                        11,710        12,700
<ALLOWANCE-OPEN>                        9,318         7,045
<CHARGE-OFFS>                           1,025         4,045
<RECOVERIES>                              460           271
<ALLOWANCE-CLOSE>                       9,167         9,318
<ALLOWANCE-DOMESTIC>                    9,167         9,318
<ALLOWANCE-FOREIGN>                         0             0
<ALLOWANCE-UNALLOCATED>                     0             0

</TABLE>