<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S CONSOLIDATED CONDENSED BALANCE SHEET AND STATEMENT OF INCOME FOR
THE YEAR ENDED DECEMBER 31, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          26,012
<INT-BEARING-DEPOSITS>                           9,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    141,548
<INVESTMENTS-CARRYING>                          84,984
<INVESTMENTS-MARKET>                            83,958
<LOANS>                                        756,768
<ALLOWANCE>                                      2,916
<TOTAL-ASSETS>                               1,080,383
<DEPOSITS>                                     671,918
<SHORT-TERM>                                    93,265
<LIABILITIES-OTHER>                             10,765
<LONG-TERM>                                    219,148
<PREFERRED-MANDATORY>                           22,693
<PREFERRED>                                          0
<COMMON>                                         4,053
<OTHER-SE>                                      58,541
<TOTAL-LIABILITIES-AND-EQUITY>               1,080,383
<INTEREST-LOAN>                                 56,274
<INTEREST-INVEST>                               16,842
<INTEREST-OTHER>                                   443
<INTEREST-TOTAL>                                73,559
<INTEREST-DEPOSIT>                              29,143
<INTEREST-EXPENSE>                              48,048
<INTEREST-INCOME-NET>                           25,511
<LOAN-LOSSES>                                      360
<SECURITIES-GAINS>                                 397
<EXPENSE-OTHER>                                 27,346
<INCOME-PRETAX>                                 15,734
<INCOME-PRE-EXTRAORDINARY>                       9,850
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,850
<EPS-PRIMARY>                                     1.82
<EPS-DILUTED>                                     1.43
<YIELD-ACTUAL>                                    2.60
<LOANS-NON>                                      3,590
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   340
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,994
<CHARGE-OFFS>                                      454
<RECOVERIES>                                        16
<ALLOWANCE-CLOSE>                                2,916
<ALLOWANCE-DOMESTIC>                             2,916
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
REVISED DUE TO ADOPTION OF FAS 128, EARNINGS PER SHARE
</FN>


</TABLE>