<ARTICLE> 9
<LEGEND>     PREVIOUSLY FILED 1998 EPS DATA
             RESTATED FOR OCTOBER 1999 5-FOR-4 STOCK SPLIT
</LEGEND>
<RESTATED>
<MULTIPLIER> 1000

                                          
<PERIOD-TYPE>                          YEAR              YEAR
<FISCAL-YEAR-END>               DEC-31-1999       DEC-31-1998
<PERIOD-END>                    DEC-31-1999       DEC-31-1998
<CASH>                                28073             24246
<INT-BEARING-DEPOSITS>                    0                 0
<FED-FUNDS-SOLD>                          0              6500
<TRADING-ASSETS>                          0                 0
<INVESTMENTS-HELD-FOR-SALE>          228364            267731
<INVESTMENTS-CARRYING>                55467             63016
<INVESTMENTS-MARKET>                  54462             65055
<LOANS>                              655820            546126
<ALLOWANCE>                            7784              6742
<TOTAL-ASSETS>                      1001107            939029
<DEPOSITS>                           795197            775597
<SHORT-TERM>                          31051             24032
<LIABILITIES-OTHER>                   12602             17254
<LONG-TERM>                           90000             45000
<COMMON>                               9496              7596
<PREFERRED-MANDATORY>                     0                 0
<PREFERRED>                               0                 0
<OTHER-SE>                            62791             69550
<TOTAL-LIABILITIES-AND-EQUITY>      1001107            939029
<INTEREST-LOAN>                       48317             44201
<INTEREST-INVEST>                      2739              3204
<INTEREST-OTHER>                      16079             15628
<INTEREST-TOTAL>                      67135             63033
<INTEREST-DEPOSIT>                    24963             25974
<INTEREST-EXPENSE>                    29266             28142
<INTEREST-INCOME-NET>                 37869             34891
<LOAN-LOSSES>                          1424              1386
<SECURITIES-GAINS>                       (4)              408
<EXPENSE-OTHER>                       27298             24506
<INCOME-PRETAX>                       18525             17579
<INCOME-PRE-EXTRAORDINARY>            18525             17579
<EXTRAORDINARY>                           0                 0
<CHANGES>                                 0                 0
<NET-INCOME>                          12859             11835
<EPS-BASIC>                          1.68              1.50
<EPS-DILUTED>                          1.66              1.48
<YIELD-ACTUAL>                         4.31              4.40
<LOANS-NON>                            2270              2270
<LOANS-PAST>                            307               657
<LOANS-TROUBLED>                          0                 0
<LOANS-PROBLEM>                           0                 0
<ALLOWANCE-OPEN>                       6742              6191
<CHARGE-OFFS>                          1033              1178
<RECOVERIES>                            651               343
<ALLOWANCE-CLOSE>                      7784              6742
<ALLOWANCE-DOMESTIC>                   7784              6742
<ALLOWANCE-FOREIGN>                       0                 0
<ALLOWANCE-UNALLOCATED>                 694               181