<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL REPORT TO SHAREHOLDERS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <RESTATED> <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 38,600 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 55,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 80,236 <INVESTMENTS-CARRYING> 61,275 <INVESTMENTS-MARKET> 61,717 <LOANS> 388,504 <ALLOWANCE> 5,456 <TOTAL-ASSETS> 654,176 <DEPOSITS> 584,355 <SHORT-TERM> 0 <LIABILITIES-OTHER> 6,330 <LONG-TERM> 3,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 48,108 <OTHER-SE> 13,223 <TOTAL-LIABILITIES-AND-EQUITY> 654,176 <INTEREST-LOAN> 40,843 <INTEREST-INVEST> 8,160 <INTEREST-OTHER> 3,087 <INTEREST-TOTAL> 52,090 <INTEREST-DEPOSIT> 17,743 <INTEREST-EXPENSE> 18,589 <INTEREST-INCOME-NET> 33,501 <LOAN-LOSSES> 1,160 <SECURITIES-GAINS> (106) <EXPENSE-OTHER> 27,537 <INCOME-PRETAX> 7,879 <INCOME-PRE-EXTRAORDINARY> 7,879 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,010 <EPS-PRIMARY> 0.62 <EPS-DILUTED> 0.59 <YIELD-ACTUAL> 9.41 <LOANS-NON> 4,833 <LOANS-PAST> 830 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,938 <CHARGE-OFFS> (1,846) <RECOVERIES> 351 <ALLOWANCE-CLOSE> 6,603 <ALLOWANCE-DOMESTIC> 6,603 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0