<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