<ARTICLE> 9
<RESTATED> 
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                            5180
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                  2100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      13805
<INVESTMENTS-CARRYING>                            8235
<INVESTMENTS-MARKET>                              8093
<LOANS>                                          50978
<ALLOWANCE>                                       1081
<TOTAL-ASSETS>                                   82607
<DEPOSITS>                                       74107
<SHORT-TERM>                                        77
<LIABILITIES-OTHER>                                539
<LONG-TERM>                                          0
<COMMON>                                           776
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                        7108
<TOTAL-LIABILITIES-AND-EQUITY>                   82607
<INTEREST-LOAN>                                   1107
<INTEREST-INVEST>                                  324
<INTEREST-OTHER>                                    36
<INTEREST-TOTAL>                                  1467
<INTEREST-DEPOSIT>                                 566
<INTEREST-EXPENSE>                                 568
<INTEREST-INCOME-NET>                              899
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                 (1)
<EXPENSE-OTHER>                                    882
<INCOME-PRETAX>                                    315
<INCOME-PRE-EXTRAORDINARY>                         227
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       227
<EPS-PRIMARY>                                     0.99
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.94
<LOANS-NON>                                        207
<LOANS-PAST>                                       108
<LOANS-TROUBLED>                                  1009
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  1133
<CHARGE-OFFS>                                       64
<RECOVERIES>                                        12
<ALLOWANCE-CLOSE>                                 1081
<ALLOWANCE-DOMESTIC>                               727
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            354