<ARTICLE> 9
<RESTATED> 
<MULTIPLIER>  1,000
       
                                                                                            
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-END>                               MAR-31-1996             JUN-30-1996             SEP-30-1996             DEC-31-1996
<CASH>                                           4,186                   5,317                   5,087                   6,080
<INT-BEARING-DEPOSITS>                          12,051                   3,895                   7,160                   4,077
<FED-FUNDS-SOLD>                                     0                       0                       0                       0
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                     43,174                  50,251                  44,185                  48,437
<INVESTMENTS-CARRYING>                          70,211                  62,146                  55,636                  50,131
<INVESTMENTS-MARKET>                            70,461                  62,270                  55,813                  50,667
<LOANS>                                        192,221                 200,635                 213,696                 227,948
<ALLOWANCE>                                        988                   1,003                   1,023                   1,063
<TOTAL-ASSETS>                                 330,514                 332,087                 335,993                 346,422
<DEPOSITS>                                     271,028                 273,304                 276,677                 282,644
<SHORT-TERM>                                       150                       0                       0                   8,198
<LIABILITIES-OTHER>                              3,240                   2,229                   4,671                   1,954
<LONG-TERM>                                          0                     150                     150                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                            28                      28                      28                      28
<OTHER-SE>                                      56,068                  56,376                  54,467                  53,598
<TOTAL-LIABILITIES-AND-EQUITY>                 330,514                 332,087                 335,993                 346,442
<INTEREST-LOAN>                                  3,941                   7,980                  12,257                  16,813
<INTEREST-INVEST>                                2,005                   3,905                   5,714                   7,405
<INTEREST-OTHER>                                     0                       0                       0                       0
<INTEREST-TOTAL>                                 5,946                  11,885                  17,971                  24,218
<INTEREST-DEPOSIT>                               3,213                   6,378                   9,615                  12,900
<INTEREST-EXPENSE>                               3,215                   6,383                   9,623                  12,959
<INTEREST-INCOME-NET>                            2,731                   5,502                   8,348                  11,259
<LOAN-LOSSES>                                       14                      29                      63                     107
<SECURITIES-GAINS>                                   0                       0                       0                       0
<EXPENSE-OTHER>                                  1,563                   3,199                   6,533                   8,299
<INCOME-PRETAX>                                  1,336                   2,651                   2,337                   3,662
<INCOME-PRE-EXTRAORDINARY>                       1,336                   2,651                   2,337                   2,184
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                       811                   1,607                   1,384                   2,184
<EPS-PRIMARY>                                      .20                     .39                     .34                     .54
<EPS-DILUTED>                                      .19                     .37                     .32                     .51
<YIELD-ACTUAL>                                    7.52                    7.48                    7.50                    7.52
<LOANS-NON>                                        100                      70                     604                     666
<LOANS-PAST>                                        20                     143                       0                       0
<LOANS-TROUBLED>                                     0                       0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0                       0
<ALLOWANCE-OPEN>                                   977                     977                     977                     977
<CHARGE-OFFS>                                      (3)                     (3)                    (17)                    (21)
<RECOVERIES>                                         0                       0                       0                       0
<ALLOWANCE-CLOSE>                                  988                   1,003                   1,023                   1,063
<ALLOWANCE-DOMESTIC>                                14                   1,003                   1,023                   1,063
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0                       0