<ARTICLE> 9
<RESTATED>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             APR-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          12,512
<INT-BEARING-DEPOSITS>                             938
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     70,536
<INVESTMENTS-CARRYING>                         152,288
<INVESTMENTS-MARKET>                           152,235
<LOANS>                                      1,105,958
<ALLOWANCE>                                   (10,150)
<TOTAL-ASSETS>                               1,095,808
<DEPOSITS>                                     934,831
<SHORT-TERM>                                    46,852
<LIABILITIES-OTHER>                             18,143
<LONG-TERM>                                    285,244
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        50,626
<OTHER-SE>                                      28,328
<TOTAL-LIABILITIES-AND-EQUITY>               1,364,024
<INTEREST-LOAN>                                 21,435
<INTEREST-INVEST>                                3,991
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                25,426
<INTEREST-DEPOSIT>                              10,856
<INTEREST-EXPENSE>                              14,886
<INTEREST-INCOME-NET>                           10,540
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                 188
<EXPENSE-OTHER>                                  9,468
<INCOME-PRETAX>                                  2,824
<INCOME-PRE-EXTRAORDINARY>                       3,361
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,361
<EPS-PRIMARY>                                      .40
<EPS-DILUTED>                                      .38
<YIELD-ACTUAL>                                    3.27
<LOANS-NON>                                      6,626
<LOANS-PAST>                                     2,425
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 18,119
<ALLOWANCE-OPEN>                                10,141
<CHARGE-OFFS>                                      372
<RECOVERIES>                                        81
<ALLOWANCE-CLOSE>                               10,150
<ALLOWANCE-DOMESTIC>                            10,150
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0