<ARTICLE> 9
<RESTATED> 
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-START>                             JAN-01-1996             JAN-01-1995
<PERIOD-END>                               DEC-31-1996             DEC-31-1995
<CASH>                                          49,888                  38,930
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                32,400                  45,400
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     70,924                  79,749
<INVESTMENTS-CARRYING>                          63,176                  59,876
<INVESTMENTS-MARKET>                            63,535                  60,537
<LOANS>                                        564,175                 393,378
<ALLOWANCE>                                    (10,136)                 (6,683)
<TOTAL-ASSETS>                                 919,924                 659,623
<DEPOSITS>                                     821,133                 584,353
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                             28,957                  11,776
<LONG-TERM>                                      3,000                   3,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        50,075                  48,159
<OTHER-SE>                                      16,759                  12,336
<TOTAL-LIABILITIES-AND-EQUITY>                 919,924                 659,623
<INTEREST-LOAN>                                 50,172                  41,813
<INTEREST-INVEST>                                9,528                   8,160
<INTEREST-OTHER>                                 3,183                   3,087
<INTEREST-TOTAL>                                62,883                  53,060
<INTEREST-DEPOSIT>                              21,220                  17,743
<INTEREST-EXPENSE>                              22,379                  18,916
<INTEREST-INCOME-NET>                           40,504                  34,099
<LOAN-LOSSES>                                    2,594                   1,219
<SECURITIES-GAINS>                                (255)                   (106)
<EXPENSE-OTHER>                                 29,416                  28,097
<INCOME-PRETAX>                                 13,117                   7,826
<INCOME-PRE-EXTRAORDINARY>                      13,117                   7,826
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     6,348                   4,956
<EPS-PRIMARY>                                     1.33                    1.24
<EPS-DILUTED>                                     1.26                    1.18
<YIELD-ACTUAL>                                    5.19                    5.47
<LOANS-NON>                                      4,616                   4,833
<LOANS-PAST>                                     1,237                     830
<LOANS-TROUBLED>                                 1,828                   1,530
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 6,683                   6,960
<CHARGE-OFFS>                                     (586)                 (1,847)
<RECOVERIES>                                       645                     351
<ALLOWANCE-CLOSE>                               10,136                   6,683
<ALLOWANCE-DOMESTIC>                            10,136                   6,683
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0