<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 QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH ANNUAL REPORT ON FORM 10-K.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          31,253
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     25,005
<INVESTMENTS-CARRYING>                          70,291
<INVESTMENTS-MARKET>                                 0<F1>
<LOANS>                                        672,151
<ALLOWANCE>                                     12,076
<TOTAL-ASSETS>                                 857,959
<DEPOSITS>                                     769,679
<SHORT-TERM>                                    10,000
<LIABILITIES-OTHER>                             15,417
<LONG-TERM>                                     14,534
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            44
<OTHER-SE>                                      48,285
<TOTAL-LIABILITIES-AND-EQUITY>                 857,959
<INTEREST-LOAN>                                 14,473
<INTEREST-INVEST>                                  973
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                15,446
<INTEREST-DEPOSIT>                               8,088
<INTEREST-EXPENSE>                               8,463
<INTEREST-INCOME-NET>                            6,983
<LOAN-LOSSES>                                    1,400
<SECURITIES-GAINS>                                 (4)
<EXPENSE-OTHER>                                  6,229
<INCOME-PRETAX>                                    943
<INCOME-PRE-EXTRAORDINARY>                         943
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       941
<EPS-PRIMARY>                                     0.23
<EPS-DILUTED>                                     0.23
<YIELD-ACTUAL>                                    7.66
<LOANS-NON>                                     13,845
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 8,982
<LOANS-PROBLEM>                                 14,327
<ALLOWANCE-OPEN>                                14,745
<CHARGE-OFFS>                                    4,109
<RECOVERIES>                                        40
<ALLOWANCE-CLOSE>                               12,076
<ALLOWANCE-DOMESTIC>                            12,076
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>THIS INFORMATION IS NOT DISCLOSED IN THE FORM 10-Q
</FN>