<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