<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