<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE DECEMBER
31, 1996, CONSOLIDATED BALANCE SHEET, AND THE DECEMBER 31, 1996, CONSOLIDATED
STATEMENT OF EARNINGS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS
</LEGEND>
<RESTATED> 
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                         142,502
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    333,348
<INVESTMENTS-CARRYING>                          50,734
<INVESTMENTS-MARKET>                            51,548
<LOANS>                                        588,925
<ALLOWANCE>                                     12,239
<TOTAL-ASSETS>                               1,160,421
<DEPOSITS>                                     990,597
<SHORT-TERM>                                    56,000
<LIABILITIES-OTHER>                             24,284
<LONG-TERM>                                        453
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        61,942
<OTHER-SE>                                      27,145
<TOTAL-LIABILITIES-AND-EQUITY>               1,160,421
<INTEREST-LOAN>                                 54,452
<INTEREST-INVEST>                               19,930
<INTEREST-OTHER>                                   512
<INTEREST-TOTAL>                                74,894
<INTEREST-DEPOSIT>                              18,740
<INTEREST-EXPENSE>                              21,466
<INTEREST-INCOME-NET>                           53,428
<LOAN-LOSSES>                                    2,888
<SECURITIES-GAINS>                                   3
<EXPENSE-OTHER>                                 41,909
<INCOME-PRETAX>                                 22,910
<INCOME-PRE-EXTRAORDINARY>                      13,333
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    13,333
<EPS-PRIMARY>                                     0.90
<EPS-DILUTED>                                     0.87
<YIELD-ACTUAL>                                    6.13
<LOANS-NON>                                     17,564
<LOANS-PAST>                                       621
<LOANS-TROUBLED>                                 5,374
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 9,626
<CHARGE-OFFS>                                    1,749
<RECOVERIES>                                       763
<ALLOWANCE-CLOSE>                               12,239
<ALLOWANCE-DOMESTIC>                             8,315
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,924