<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH ANNUAL REPORT ON FORM 10-K.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          33,746
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     18,220
<INVESTMENTS-CARRYING>                          60,022
<INVESTMENTS-MARKET>                            60,066
<LOANS>                                        729,862
<ALLOWANCE>                                     10,134
<TOTAL-ASSETS>                                 882,504
<DEPOSITS>                                     790,803
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             15,165
<LONG-TERM>                                      4,418
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            74
<OTHER-SE>                                      72,044
<TOTAL-LIABILITIES-AND-EQUITY>                 882,504
<INTEREST-LOAN>                                 53,819
<INTEREST-INVEST>                                7,680
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                61,499
<INTEREST-DEPOSIT>                              31,979
<INTEREST-EXPENSE>                              33,038
<INTEREST-INCOME-NET>                           28,461
<LOAN-LOSSES>                                    2,838
<SECURITIES-GAINS>                                 (4)
<EXPENSE-OTHER>                                 32,940
<INCOME-PRETAX>                                  (350)
<INCOME-PRE-EXTRAORDINARY>                       (350)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (357)
<EPS-PRIMARY>                                   (0.07)<F1>
<EPS-DILUTED>                                   (0.07)
<YIELD-ACTUAL>                                    7.68
<LOANS-NON>                                     13,298
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                12,001
<LOANS-PROBLEM>                                 20,528
<ALLOWANCE-OPEN>                                14,745
<CHARGE-OFFS>                                    7,889
<RECOVERIES>                                       440
<ALLOWANCE-CLOSE>                               10,134
<ALLOWANCE-DOMESTIC>                            10,134
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        
<FN> 
<F1> EPS-PRIMARY IS NOW EPS-BASIC PER FSAS 128.
</FN>