<ARTICLE> 9 <RESTATED> <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 9,264 <INT-BEARING-DEPOSITS> 13,176 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 96,238 <INVESTMENTS-CARRYING> 127,907 <INVESTMENTS-MARKET> 129,015 <LOANS> 962,440 <ALLOWANCE> 10,081 <TOTAL-ASSETS> 1,228,497 <DEPOSITS> 922,932 <SHORT-TERM> 0 <LIABILITIES-OTHER> 17,291 <LONG-TERM> 216,295 <PREFERRED-MANDATORY> 50,011 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 21,968 <TOTAL-LIABILITIES-AND-EQUITY> 1,228,497 <INTEREST-LOAN> 72,550 <INTEREST-INVEST> 18,215 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 90,765 <INTEREST-DEPOSIT> 38,639 <INTEREST-EXPENSE> 56,015 <INTEREST-INCOME-NET> 34,750 <LOAN-LOSSES> 2,400 <SECURITIES-GAINS> 147 <EXPENSE-OTHER> 30,520 <INCOME-PRETAX> 8,742 <INCOME-PRE-EXTRAORDINARY> 10,417 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,417 <EPS-PRIMARY> 1.27 <EPS-DILUTED> 1.24 <YIELD-ACTUAL> 3.04 <LOANS-NON> 8,249 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 14,462 <ALLOWANCE-OPEN> 8,349 <CHARGE-OFFS> 2,187 <RECOVERIES> 1,519 <ALLOWANCE-CLOSE> 10,081 <ALLOWANCE-DOMESTIC> 10,081 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0