<ARTICLE> 9
<RESTATED> 
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1997
<PERIOD-END>                               MAR-31-1996             MAR-31-1997
<CASH>                                               0                  59,080
<INT-BEARING-DEPOSITS>                               0                   4,628
<FED-FUNDS-SOLD>                                     0                   3,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                 379,423
<INVESTMENTS-CARRYING>                               0                  30,951
<INVESTMENTS-MARKET>                                 0                  30,770
<LOANS>                                              0               1,150,658
<ALLOWANCE>                                          0                  15,661
<TOTAL-ASSETS>                                       0               1,744,449
<DEPOSITS>                                           0               1,223,530
<SHORT-TERM>                                         0                 276,535
<LIABILITIES-OTHER>                                  0                  43,884
<LONG-TERM>                                          0                  66,681
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                   8,718
<OTHER-SE>                                           0                 125,101
<TOTAL-LIABILITIES-AND-EQUITY>                       0               1,744,449
<INTEREST-LOAN>                                 20,775                  24,399
<INTEREST-INVEST>                                4,644                   4,954
<INTEREST-OTHER>                                   321                     150
<INTEREST-TOTAL>                                25,740                  29,503
<INTEREST-DEPOSIT>                              10,079                  10,577
<INTEREST-EXPENSE>                              12,039                  14,499
<INTEREST-INCOME-NET>                           13,701                  15,004
<LOAN-LOSSES>                                      905                     702
<SECURITIES-GAINS>                                 648                     542
<EXPENSE-OTHER>                                 11,577                  11,974
<INCOME-PRETAX>                                  5,051                   6,700
<INCOME-PRE-EXTRAORDINARY>                       3,555                   4,742
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,555                   4,742
<EPS-PRIMARY>                                      .28                     .36
<EPS-DILUTED>                                        0                       0
<YIELD-ACTUAL>                                    4.31                    4.15
<LOANS-NON>                                          0                   8,803
<LOANS-PAST>                                         0                  24,118
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                15,449                  15,740
<CHARGE-OFFS>                                    1,203                   1,021
<RECOVERIES>                                       171                     240
<ALLOWANCE-CLOSE>                               15,322                  15,661
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0