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