<TABLE> <S> <C>

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

<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-END>                               SEP-30-1996             JUN-30-1996             MAR-31-1996
<CASH>                                      78,382,963              68,771,560              73,162,137
<INT-BEARING-DEPOSITS>                         801,930                 768,548                 812,539
<FED-FUNDS-SOLD>                                     0              16,700,000              13,000,000
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                445,555,951             420,563,407             410,438,493
<INVESTMENTS-CARRYING>                      91,663,981              97,394,602             105,797,558
<INVESTMENTS-MARKET>                        92,066,000              97,624,000             106,472,000
<LOANS>                                    916,871,933             926,341,519             911,175,052
<ALLOWANCE>                               (11,528,313)            (11,607,844)            (11,209,801)
<TOTAL-ASSETS>                           1,593,433,229           1,579,379,091           1,564,444,498
<DEPOSITS>                               1,330,152,940           1,332,830,017           1,333,584,249
<SHORT-TERM>                                98,009,089              74,001,939              54,321,472
<LIABILITIES-OTHER>                         22,793,388              20,661,002              20,723,439
<LONG-TERM>                                 23,210,713              33,472,126              36,686,023
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                    36,921,850              37,350,850              37,795,350
<OTHER-SE>                                  82,345,249              81,063,157              81,333,965
<TOTAL-LIABILITIES-AND-EQUITY>           1,593,433,229           1,579,379,091           1,564,444,498
<INTEREST-LOAN>                             59,357,416              39,338,548              19,563,503
<INTEREST-INVEST>                           22,416,882              14,719,884               7,393,275
<INTEREST-OTHER>                             1,032,063                 824,410                 413,660
<INTEREST-TOTAL>                            82,806,361              54,882,842              27,370,438
<INTEREST-DEPOSIT>                          37,074,484              24,820,576              15,552,495
<INTEREST-EXPENSE>                           4,085,130               2,525,909               1,148,981
<INTEREST-INCOME-NET>                       41,646,747              27,536,357              13,668,964
<LOAN-LOSSES>                                2,100,000               1,500,000                 700,000
<SECURITIES-GAINS>                             309,244                 314,406                 174,525
<EXPENSE-OTHER>                             41,957,329              27,118,892              13,494,726
<INCOME-PRETAX>                             14,539,268              10,091,107               5,025,943
<INCOME-PRE-EXTRAORDINARY>                  14,539,268              10,091,107               5,025,943
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                10,321,166               7,147,758               3,580,247
<EPS-PRIMARY>                                     1.36                     .93                     .46
<EPS-DILUTED>                                     1.36                     .93                     .46
<YIELD-ACTUAL>                                    3.80<F1>                3.78<F1>                3.77<F1>
<LOANS-NON>                                  3,278,000               3,096,000               3,868,000
<LOANS-PAST>                                 4,785,000               1,793,000               2,703,000
<LOANS-TROUBLED>                               433,000                 347,000                       0
<LOANS-PROBLEM>                              2,000,000<F2>           2,000,000<F2>           2,000,000<F2>
<ALLOWANCE-OPEN>                            11,069,869              11,069,869              11,069,869
<CHARGE-OFFS>                                2,752,704               1,807,574                 917,431
<RECOVERIES>                                 1,111,148                 845,549                 357,363
<ALLOWANCE-CLOSE>                           11,528,313              11,607,844              11,209,801
<ALLOWANCE-DOMESTIC>                        11,528,313              11,607,844              11,209,801
<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>