<ARTICLE> 9
<RESTATED>
<MULTIPLIER>  1,000
       
                                                                       
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997
<PERIOD-END>                               MAR-31-1997             JUN-30-1997             SEP-30-1997
<CASH>                                           5,813                   5,873                   5,274
<INT-BEARING-DEPOSITS>                           4,210                  11,019                   3,398
<FED-FUNDS-SOLD>                                     0                       0                       0
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                     48,237                  45,853                  32,819
<INVESTMENTS-CARRYING>                          45,675                  41,429                  36,985
<INVESTMENTS-MARKET>                            46,122                  41,884                  37,463
<LOANS>                                        243,990                 272,439                 294,143
<ALLOWANCE>                                      1,123                   1,193                   1,549
<TOTAL-ASSETS>                                 358,538                 387,097                 383,382
<DEPOSITS>                                     291,417                 301,855                 307,356
<SHORT-TERM>                                    11,952                  10,008                       0
<LIABILITIES-OTHER>                              3,277                   3,048                   3,377
<LONG-TERM>                                          0                  20,000                  20,000
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                            28                      28                      28
<OTHER-SE>                                      51,864                  52,158                  52,621
<TOTAL-LIABILITIES-AND-EQUITY>                 358,538                 387,097                 383,382
<INTEREST-LOAN>                                  4,839                  10,171                  16,014
<INTEREST-INVEST>                                1,644                   3,192                   4,613
<INTEREST-OTHER>                                     0                       0                       0
<INTEREST-TOTAL>                                 6,483                  13,363                  20,627
<INTEREST-DEPOSIT>                               3,310                   6,821                  10,514
<INTEREST-EXPENSE>                               3,439                   7,180                  11,231
<INTEREST-INCOME-NET>                            3,044                   6,183                   9,396
<LOAN-LOSSES>                                       68                     138                     502
<SECURITIES-GAINS>                                   0                       0                      11
<EXPENSE-OTHER>                                  1,631                   3,514                   5,431
<INCOME-PRETAX>                                  1,543                   2,945                   4,418
<INCOME-PRE-EXTRAORDINARY>                         973                   1,875                   4,418
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                       973                   1,875                   2,801
<EPS-PRIMARY>                                      .26                     .50                     .75
<EPS-DILUTED>                                      .24                     .47                     .71
<YIELD-ACTUAL>                                    7.66                    7.73                    7.75
<LOANS-NON>                                        363                     419                     432
<LOANS-PAST>                                       164                      76                       7
<LOANS-TROUBLED>                                   439                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                                 1,063                   1,063                   1,063
<CHARGE-OFFS>                                      (8)                     (8)                    (16)
<RECOVERIES>                                         0                       0                       0
<ALLOWANCE-CLOSE>                                1,123                   1,193                   1,549
<ALLOWANCE-DOMESTIC>                             1,123                   1,193                   1,549
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0