<ARTICLE> 9 <RESTATED> <PERIOD-TYPE> 3-MOS 3-MOS 3-MOS 3-MOS <FISCAL-YEAR-END> DEC-31-1996 DEC-31-1996 DEC-31-1996 DEC-31-1996 <PERIOD-END> MAR-31-1996 JUN-30-1996 SEP-30-1996 DEC-31-1996 <CASH> 38,752 39,482 53,247 40,178 <INT-BEARING-DEPOSITS> 774 798 701 879 <FED-FUNDS-SOLD> 0 0 0 2,558 <TRADING-ASSETS> 0 0 0 0 <INVESTMENTS-HELD-FOR-SALE> 233,297 268,631 260,963 286,510 <INVESTMENTS-CARRYING> 94,089 81,112 75,829 98,112 <INVESTMENTS-MARKET> 93,881 80,939 74,630 98,667 <LOANS> 662,824 699,197 721,111 763,289 <ALLOWANCE> 9,694 10,215 10,533 10,890 <TOTAL-ASSETS> 1,080,888 1,140,823 1,162,845 1,241,394 <DEPOSITS> 874,907 933,080 958,065 1,025,752 <SHORT-TERM> 102,059 103,801 97,303 96,980 <LIABILITIES-OTHER> 12,135 10,243 11,470 12,926 <LONG-TERM> 0 0 0 0 <PREFERRED-MANDATORY> 0 0 0 0 <PREFERRED> 0 0 0 0 <COMMON> 71,950 71,922 71,848 76,670 <OTHER-SE> 19,836 21,796 24,159 29,066 <TOTAL-LIABILITIES-AND-EQUITY> 1,080,888 1,140,823 1,162,845 1,241,394 <INTEREST-LOAN> 15,755 16,576 17,534 17,768 <INTEREST-INVEST> 4,806 5,547 5,858 5,618 <INTEREST-OTHER> 91 142 89 175 <INTEREST-TOTAL> 20,652 22,265 23,481 23,561 <INTEREST-DEPOSIT> 8,819 9,551 10,282 10,331 <INTEREST-EXPENSE> 9,960 11,045 11,764 11,558 <INTEREST-INCOME-NET> 10,692 11,220 11,717 12,003 <LOAN-LOSSES> 407 747 348 828 <SECURITIES-GAINS> 362 511 154 141 <EXPENSE-OTHER> 8,015 8,071 8,507 8,168 <INCOME-PRETAX> 4,730 5,526 5,167 5,066 <INCOME-PRE-EXTRAORDINARY> 0 0 0 0 <EXTRAORDINARY> 0 0 0 0 <CHANGES> 0 0 0 0 <NET-INCOME> 3,014 3,621 3,243 3,342 <EPS-PRIMARY> 0.27 0.26 0.28 0.24 <EPS-DILUTED> 0.26 0.25 0.28 0.23 <YIELD-ACTUAL> 4.33 4.19 4.18 4.23 <LOANS-NON> 1,119 1,163 1,456 1,666 <LOANS-PAST> 1,256 1,886 2,031 2,107 <LOANS-TROUBLED> 0 0 0 0 <LOANS-PROBLEM> 0 0 0 0 <ALLOWANCE-OPEN> 9,375 9,694 10,215 10,533 <CHARGE-OFFS> 117 349 326 983 <RECOVERIES> 129 131 306 435 <ALLOWANCE-CLOSE> 9,694 10,215 10,533 10,890 <ALLOWANCE-DOMESTIC> 9,694 10,215 10,533 10,890 <ALLOWANCE-FOREIGN> 0 0 0 0 <ALLOWANCE-UNALLOCATED> 0 0 0 0