<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