WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  

<ARTICLE> 9
<RESTATED>
<MULTIPLIER> 1,000
       
                                                                                                                  
<PERIOD-TYPE>                   YEAR             YEAR              3-MOS             6-MOS              9-MOS                       
<FISCAL-YEAR-END>               DEC-31-1995      DEC-31-1996       DEC-31-1996       DEC-31-1996        DEC-31-1996      
<PERIOD-END>                    DEC-31-1995      DEC-31-1996       MAR-31-1996       JUN-30-1996        SEP-30-1996      
<CASH>                                4,394            3,102             3,707             3,539              2,702      
<INT-BEARING-DEPOSITS>                4,291            1,650             4,565             2,812              2,299      
<FED-FUNDS-SOLD>                          0                0                 0                 0                  0      
<TRADING-ASSETS>                          0                0                 0                 0                  0      
<INVESTMENTS-HELD-FOR-SALE>          93,041           77,407            88,809            77,176             70,885      
<INVESTMENTS-CARRYING>               26,073           25,937            24,578            23,210             22,235      
<INVESTMENTS-MARKET>                 26,692           26,325            25,000            23,462             22,505      
<LOANS>                             387,020          415,925           393,786           399,176            410,052      
<ALLOWANCE>                           1,817            2,217             1,896             1,942              2,019      
<TOTAL-ASSETS>                      525,550          543,411           528,222           520,666            524,247      
<DEPOSITS>                          381,779          382,525           383,710           384,604            380,760      
<SHORT-TERM>                              0           35,220                 0                 0             12,000      
<LIABILITIES-OTHER>                   3,422            3,500             3,663             3,512              5,102      
<LONG-TERM>                           6,842            5,601             6,662             5,945              5,719      
<PREFERRED-MANDATORY>                     0                0                 0                 0                  0      
<PREFERRED>                               0                0                 0                 0                  0      
<COMMON>                                110               95               110               104                 99      
<OTHER-SE>                          133,396          116,470           134,077           126,501            120,509      
<TOTAL-LIABILITIES-AND-EQUITY>      525,550          543,411           528,222           520,666            524,247      
<INTEREST-LOAN>                      32,003           34,635             8,431            16,999             25,743      
<INTEREST-INVEST>                     5,915            6,430             1,731             3,366              4,849      
<INTEREST-OTHER>                        647              192                75               125                161      
<INTEREST-TOTAL>                     38,565           41,257            10,237            20,490             30,753      
<INTEREST-DEPOSIT>                   18,857           18,579             4,779             9,438             14,043      
<INTEREST-EXPENSE>                   20,289           19,459             4,895             9,673             14,455      
<INTEREST-INCOME-NET>                18,276           21,798             5,342            10,817             16,298      
<LOAN-LOSSES>                           377            1,020               163               344                608      
<SECURITIES-GAINS>                      (75)              25                 0                 0                  0      
<EXPENSE-OTHER>                      10,560           15,958             3,201             6,314             12,231      
<INCOME-PRETAX>                       8,377            6,148             2,286             4,752              4,373      
<INCOME-PRE-EXTRAORDINARY>            5,521            4,151             1,535             3,210              2,976      
<EXTRAORDINARY>                           0                0                 0                 0                  0      
<CHANGES>                                 0                0                 0                 0                  0      
<NET-INCOME>                          5,521            4,151             1,535             3,210              2,976      
<EPS-BASIC>                             .54              .43               .15               .32                .30      
<EPS-DILUTED>                           .53              .42               .15               .31                .30      
<YIELD-ACTUAL>                         3.87             4.31              4.23              4.35               4.32      
<LOANS-NON>                             772              411             1,142               795                981      
<LOANS-PAST>                              0                0                 0                 0                  0      
<LOANS-TROUBLED>                          0                0                 0                 0                  0      
<LOANS-PROBLEM>                           0                0                 0                 0                  0      
<ALLOWANCE-OPEN>                      1,733            1,817             1,817             1,817              1,817      
<CHARGE-OFFS>                           344              775               111               282                502      
<RECOVERIES>                             51              156                27                64                 96      
<ALLOWANCE-CLOSE>                     1,817            2,217             1,896             1,942              2,019      
<ALLOWANCE-DOMESTIC>                  1,817            2,217             1,896             1,942              2,019      
<ALLOWANCE-FOREIGN>                       0                0                 0                 0                  0      
<ALLOWANCE-UNALLOCATED>                   0                0                 0                 0                  0