<ARTICLE> 9 <RESTATED> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> MAR-31-1996 <CASH> 21,175 <INT-BEARING-DEPOSITS> 14,273 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 84,115 <INVESTMENTS-CARRYING> 97,841 <INVESTMENTS-MARKET> 98,408 <LOANS> 1,035,790 <ALLOWANCE> 10,141 <TOTAL-ASSETS> 1,273,859 <DEPOSITS> 936,321 <SHORT-TERM> 26,876 <LIABILITIES-OTHER> 15,642 <LONG-TERM> 219,388 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 50,381 <OTHER-SE> 25,251 <TOTAL-LIABILITIES-AND-EQUITY> 1,273,859 <INTEREST-LOAN> 19,980 <INTEREST-INVEST> 4,020 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 24,000 <INTEREST-DEPOSIT> 11,050 <INTEREST-EXPENSE> 14,318 <INTEREST-INCOME-NET> 9,682 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 8,424 <INCOME-PRETAX> 2,689 <INCOME-PRE-EXTRAORDINARY> 3,488 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,488 <EPS-PRIMARY> .42 <EPS-DILUTED> .40 <YIELD-ACTUAL> 3.19 <LOANS-NON> 6,144 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 16,662 <ALLOWANCE-OPEN> 10,081 <CHARGE-OFFS> 306 <RECOVERIES> 66 <ALLOWANCE-CLOSE> 10,141 <ALLOWANCE-DOMESTIC> 10,141 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0