<TABLE> <S> <C>

<ARTICLE> 9
<RESTATED>
<MULTIPLIER> 1,000

<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                              YEAR                   YEAR                     3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995             DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1996             JAN-01-1995             JAN-01-1997             JAN-01-1997
<PERIOD-END>                               DEC-31-1996             DEC-31-1995             MAR-31-1997             JUN-30-1997
<CASH>                                           3,153                   2,552                   (232)                   4,999
<INT-BEARING-DEPOSITS>                             237                     237                      26                     237
<FED-FUNDS-SOLD>                                 5,250                   7,700                   4,000                   3,500
<TRADING-ASSETS>                                11,698                       0                  24,864                  32,134
<INVESTMENTS-HELD-FOR-SALE>                          0                       0                       0                       0
<INVESTMENTS-CARRYING>                               0                       0                       0                       0
<INVESTMENTS-MARKET>                                 0                       0                       0                       0
<LOANS>                                         54,127                  60,714                  58,376                  80,255
<ALLOWANCE>                                      2,464                   4,229                   1,789                   1,877
<TOTAL-ASSETS>                                 114,934                  82,557                 112,340                 136,110
<DEPOSITS>                                      81,002                  60,156                  73,644                  87,123
<SHORT-TERM>                                       745                   6,771                       0                       0
<LIABILITIES-OTHER>                              8,676                   5,183                   9,316                  16,345
<LONG-TERM>                                      2,545                   1,720                   4,183                   3,287
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                            19                       0                      18                      19
<OTHER-SE>                                      21,947                   8,727                  25,179                  29,336
<TOTAL-LIABILITIES-AND-EQUITY>                 114,934                  82,557                 112,340                 136,110
<INTEREST-LOAN>                                 11,174                   8,885                   2,650                   5,321
<INTEREST-INVEST>                                  328                     692                      92                     181
<INTEREST-OTHER>                                     0                       0                       0                       0
<INTEREST-TOTAL>                                11,502                   9,577                   2,742                   5,502
<INTEREST-DEPOSIT>                               4,414                   3,820                   1,063                   2,162
<INTEREST-EXPENSE>                               4,966                   5,199                   1,073                   2,173
<INTEREST-INCOME-NET>                            6,536                   4,378                   1,669                   3,329
<LOAN-LOSSES>                                    1,151                   3,289                     309                   1,047
<SECURITIES-GAINS>                                   0                       0                       0                       0
<EXPENSE-OTHER>                                 28,908                  17,274                   9,561                  21,903
<INCOME-PRETAX>                                  6,471                 (2,920)                   5,224                  12,126
<INCOME-PRE-EXTRAORDINARY>                       6,471                 (2,920)                   5,224                  12,126
<EXTRAORDINARY>                                  (651)                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                     4,162                 (1,698)                   3,029                   7,032
<EPS-PRIMARY>                                     1.21                    1.41                     .80                    1.86
<EPS-DILUTED>                                     1.01                    1.41                     .64                    1.50
<YIELD-ACTUAL>                                    7.46                    5.79                    8.56                    7.75
<LOANS-NON>                                      1,394                     793                   1,260                   1,973
<LOANS-PAST>                                     1,625                   1,317                   1,303                   2,830
<LOANS-TROUBLED>                                   357                     948                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0                       0
<ALLOWANCE-OPEN>                                 4,229                   4,307                   2,464                   2,464
<CHARGE-OFFS>                                    3,187                   3,369                     984                   1,634
<RECOVERIES>                                       271                       2                       0                       0
<ALLOWANCE-CLOSE>                                2,464                   4,229                   1,789                   1,877
<ALLOWANCE-DOMESTIC>                             2,464                   4,229                   1,789                   1,877
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0<F1>                   0                       0                       0
<FN>
<F1>INCOME ON DISCONTINUED OPERATIONS OF 387 AND LOSS ON DISPOSAL OF DISCONTINUED
OPERATIONS OF 1038 ARE SHOWN UNDER EXTRAORDINARY ITEM.
</FN>


</TABLE>