<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL
FINANCIAL STATEMENTS FOR THE YEARS 1994, 1995 AND 1996 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<RESTATED>
<MULTIPLIER> 1

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1994             DEC-31-1995             DEC-31-1996
<PERIOD-END>                               DEC-31-1994             DEC-31-1995             DEC-31-1996
<CASH>                                      58,387,727                  71,159              76,900,524
<INT-BEARING-DEPOSITS>                          64,255                 265,000                 731,554
<FED-FUNDS-SOLD>                            59,396,428              37,600,000              15,200,000
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                349,208,773             396,370,000             461,099,272
<INVESTMENTS-CARRYING>                      94,484,134             108,082,000              72,754,985
<INVESTMENTS-MARKET>                        92,284,000             109,131,000              73,316,000
<LOANS>                                    972,318,990             918,901,000             941,943,513
<ALLOWANCE>                                 10,913,043              11,070,000            (11,328,359)
<TOTAL-ASSETS>                           1,581,326,849           1,582,779,000           1,632,095,082
<DEPOSITS>                               1,340,283,110           1,361,943,000           1,353,057,111
<SHORT-TERM>                                82,703,736              43,607,000             100,976,120
<LIABILITIES-OTHER>                         18,970,245              19,518,000              21,247,598
<LONG-TERM>                                 28,939,413              38,178,000              34,860,024
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                    39,357,730              38,266,000              40,428,420
<OTHER-SE>                                  71,072,615              81,267,000              81,525,809
<TOTAL-LIABILITIES-AND-EQUITY>           1,581,326,849           1,582,779,000           1,632,095,082
<INTEREST-LOAN>                             76,456,964              82,526,000              80,301,707
<INTEREST-INVEST>                           23,044,637              26,184,000              29,596,714
<INTEREST-OTHER>                             1,721,353               2,330,000               1,484,696
<INTEREST-TOTAL>                           101,222,954             111,040,000             111,383,117
<INTEREST-DEPOSIT>                          41,609,766              53,075,000              49,507,425
<INTEREST-EXPENSE>                          45,772,428               4,633,000               5,823,550
<INTEREST-INCOME-NET>                       55,450,526              53,332,000              56,052,142
<LOAN-LOSSES>                                1,987,909               1,865,000               2,900,000
<SECURITIES-GAINS>                           (339,624)                 (3,000)                 321,256
<EXPENSE-OTHER>                             57,247,578              55,702,000              56,693,553
<INCOME-PRETAX>                             12,808,027              13,612,000              19,786,030
<INCOME-PRE-EXTRAORDINARY>                  12,808,027              13,612,000              19,786,030
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                10,107,387              10,407,000              14,015,430
<EPS-PRIMARY>                                     1.27                    1.34                    1.69
<EPS-DILUTED>                                     1.27                    1.34                    1.69
<YIELD-ACTUAL>                                    3.86<F1>                3.67<F1>                3.67<F1>
<LOANS-NON>                                  3,784,000               2,639,000               2,663,000
<LOANS-PAST>                                   940,000               2,802,000               2,936,000
<LOANS-TROUBLED>                               298,000                 178,000                 568,000
<LOANS-PROBLEM>                              2,000,000<F2>           2,000,000<F2>           1,000,000<F2>
<ALLOWANCE-OPEN>                             9,817,864              10,913,000              11,069,869
<CHARGE-OFFS>                                2,442,185               3,377,000               4,061,211
<RECOVERIES>                                 1,549,455               1,669,000               1,419,701
<ALLOWANCE-CLOSE>                           10,913,043              11,070,000              11,328,359
<ALLOWANCE-DOMESTIC>                        10,913,043              11,070,000              11,328,359
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0
<FN>
<F1>Restated to correctly set forth net yield.
<F2>Restated to correctly set forth potential problem loans.
</FN>


</TABLE>