<TABLE> <S> <C>


<ARTICLE>                                            9
<RESTATED>
<MULTIPLIER>                                     1,000
       
<S>                                        <C>               <C>               <C>        
<PERIOD-TYPE>                                    9-MOS             6-MOS             3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996       DEC-31-1996       DEC-31-1996
<PERIOD-START>                             JAN-01-1996       JAN-01-1996       JAN-01-1996
<PERIOD-END>                               SEP-30-1996       JUN-30-1996       MAR-31-1996
<CASH>                                          22,872            20,581            18,538
<INT-BEARING-DEPOSITS>                              99                99               198
<FED-FUNDS-SOLD>                                13,800            11,500             2,600
<TRADING-ASSETS>                                     0                 0                 0
<INVESTMENTS-HELD-FOR-SALE>                    178,925           173,471           183,609
<INVESTMENTS-CARRYING>                          82,968            81,936            58,877
<INVESTMENTS-MARKET>                           255,407           260,971           244,189
<LOANS>                                        491,504           442,694           419,503
<ALLOWANCE>                                      5,224             4,926             4,265
<TOTAL-ASSETS>                                 802,724           757,998           701,239
<DEPOSITS>                                     704,592           671,135           630,409
<SHORT-TERM>                                    20,020            10,170                 0
<LIABILITIES-OTHER>                              4,034             3,481             4,957
<LONG-TERM>                                     20,534            20,797            14,000
<PREFERRED-MANDATORY>                                0                 0                 0
<PREFERRED>                                      3,250             3,500             3,750
<COMMON>                                        15,816            15,808            14,402
<OTHER-SE>                                      34,478            13,107            33,721
<TOTAL-LIABILITIES-AND-EQUITY>                 802,724           797,998           701,239
<INTEREST-LOAN>                                 29,424            18,927             9,225
<INTEREST-INVEST>                               12,219             7,965             3,895
<INTEREST-OTHER>                                     0                 0                 0
<INTEREST-TOTAL>                                41,643            26,892            13,080
<INTEREST-DEPOSIT>                              18,885            12,334             6,065
<INTEREST-EXPENSE>                              19,916            12,811             6,245
<INTEREST-INCOME-NET>                           21,727            14,081             6,835
<LOAN-LOSSES>                                    1,675             1,075               475
<SECURITIES-GAINS>                                 592               592               447
<EXPENSE-OTHER>                                 13,127             8,558             4,242
<INCOME-PRETAX>                                  6,550             6,656             3,343
<INCOME-PRE-EXTRAORDINARY>                       6,550             4,375             3,343
<EXTRAORDINARY>                                      0                 0                 0
<CHANGES>                                            0                 0                 0
<NET-INCOME>                                     6,550             4,375             2,250
<EPS-PRIMARY>                                      .51               .34               .17
<EPS-DILUTED>                                      .49               .33               .17
<YIELD-ACTUAL>                                       0                 0                 0
<LOANS-NON>                                      7,651             7,087             7,158
<LOANS-PAST>                                         0                 0                 0
<LOANS-TROUBLED>                                     0                 0                 0
<LOANS-PROBLEM>                                      0                 0                 0
<ALLOWANCE-OPEN>                                 3,904             3,904             3,904
<CHARGE-OFFS>                                      443               136               122
<RECOVERIES>                                        88                81                 8
<ALLOWANCE-CLOSE>                                5,224             4,924             4,265
<ALLOWANCE-DOMESTIC>                                 0                 0                 0
<ALLOWANCE-FOREIGN>                                  0                 0                 0
<ALLOWANCE-UNALLOCATED>                              0                 0                 0
        


</TABLE>