<ARTICLE> 9 <RESTATED> <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <CASH> 58,045 <INT-BEARING-DEPOSITS> 45 <FED-FUNDS-SOLD> 10,000 <TRADING-ASSETS> 458 <INVESTMENTS-HELD-FOR-SALE> 483,614 <INVESTMENTS-CARRYING> 220,646 <INVESTMENTS-MARKET> 219,911 <LOANS> 755,378 <ALLOWANCE> 19,549 <TOTAL-ASSETS> 1,596,610 <DEPOSITS> 1,177,561 <SHORT-TERM> 266,398 <LIABILITIES-OTHER> 31,017 <LONG-TERM> 2,848 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 71 <OTHER-SE> 118,715 <TOTAL-LIABILITIES-AND-EQUITY> 1,596,610 <INTEREST-LOAN> 61,402 <INTEREST-INVEST> 39,326 <INTEREST-OTHER> 871 <INTEREST-TOTAL> 101,599 <INTEREST-DEPOSIT> 59,073 <INTEREST-EXPENSE> 48,915 <INTEREST-INCOME-NET> 52,684 <LOAN-LOSSES> 3,721 <SECURITIES-GAINS> 208 <EXPENSE-OTHER> 48,114 <INCOME-PRETAX> 15,655 <INCOME-PRE-EXTRAORDINARY> 20,685 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 20,685 <EPS-PRIMARY> 3.14 <EPS-DILUTED> 3.03 <YIELD-ACTUAL> 7.59 <LOANS-NON> 8,011 <LOANS-PAST> 428 <LOANS-TROUBLED> 892 <LOANS-PROBLEM> 33,190 <ALLOWANCE-OPEN> 18,612 <CHARGE-OFFS> 5,152 <RECOVERIES> 2,368 <ALLOWANCE-CLOSE> 19,549 <ALLOWANCE-DOMESTIC> 19,549 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0