<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