<ARTICLE>                        9
<RESTATED>
<MULTIPLIER>                     1,000

       
                                                                
<PERIOD-TYPE>                              YEAR               YEAR       
<FISCAL-YEAR-END>                          DEC-31-1996        DEC-31-1995
<PERIOD-END>                               DEC-31-1996        DEC-31-1995
<CASH>                                          52,535             56,903
<INT-BEARING-DEPOSITS>                               0                  0
<FED-FUNDS-SOLD>                                     0              6,000
<TRADING-ASSETS>                                     0                  0
<INVESTMENTS-HELD-FOR-SALE>                    208,697            152,226
<INVESTMENTS-CARRYING>                         369,856            315,806
<INVESTMENTS-MARKET>                           378,496            328,343
<LOANS>                                        652,474            560,152
<ALLOWANCE>                                      8,128              6,976
<TOTAL-ASSETS>                               1,343,865          1,152,045
<DEPOSITS>                                   1,027,214          1,016,946
<SHORT-TERM>                                    96,800                  0
<LIABILITIES-OTHER>                             10,499              9,489
<LONG-TERM>                                    100,000             25,550
<PREFERRED-MANDATORY>                                0                  0
<PREFERRED>                                      4,500              4,500
<COMMON>                                         4,672              4,600
<OTHER-SE>                                     100,180             90,960
<TOTAL-LIABILITIES-AND-EQUITY>               1,343,865          1,152,045
<INTEREST-LOAN>                                 56,932             49,928
<INTEREST-INVEST>                               40,420             32,037
<INTEREST-OTHER>                                   336              1,422
<INTEREST-TOTAL>                                97,688             83,387
<INTEREST-DEPOSIT>                              36,383             30,772
<INTEREST-EXPENSE>                              42,422             36,307
<INTEREST-INCOME-NET>                           55,266             47,080
<LOAN-LOSSES>                                    2,897              1,765
<SECURITIES-GAINS>                                  32               (152)
<EXPENSE-OTHER>                                 37,450             33,019
<INCOME-PRETAX>                                 23,793             18,854
<INCOME-PRE-EXTRAORDINARY>                      23,793             18,854
<EXTRAORDINARY>                                      0                  0
<CHANGES>                                            0                  0
<NET-INCOME>                                    14,133             11,470
<EPS-PRIMARY>                                     1.85               1.72
<EPS-DILUTED>                                     1.83               1.70
<YIELD-ACTUAL>                                    4.86               4.88
<LOANS-NON>                                      2,023              1,328
<LOANS-PAST>                                       823                667
<LOANS-TROUBLED>                                    32                  0
<LOANS-PROBLEM>                                      0                  0
<ALLOWANCE-OPEN>                                 6,976              6,281
<CHARGE-OFFS>                                    2,458              1,758
<RECOVERIES>                                       713                688
<ALLOWANCE-CLOSE>                                8,128              6,976
<ALLOWANCE-DOMESTIC>                             8,128              6,976
<ALLOWANCE-FOREIGN>                                  0                  0
<ALLOWANCE-UNALLOCATED>                            917              1,159