<ARTICLE> 9
<RESTATED> 
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          16,165
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 5,125
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     51,185
<INVESTMENTS-CARRYING>                          19,664
<INVESTMENTS-MARKET>                            19,947
<LOANS>                                        219,838
<ALLOWANCE>                                      4,758
<TOTAL-ASSETS>                                 327,590
<DEPOSITS>                                     292,158
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,178
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        15,070
<OTHER-SE>                                      16,184
<TOTAL-LIABILITIES-AND-EQUITY>                 327,590
<INTEREST-LOAN>                                 10,236
<INTEREST-INVEST>                                1,893
<INTEREST-OTHER>                                   348
<INTEREST-TOTAL>                                12,477
<INTEREST-DEPOSIT>                               4,914
<INTEREST-EXPENSE>                               4,914
<INTEREST-INCOME-NET>                            7,563
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,442
<INCOME-PRETAX>                                  3,110
<INCOME-PRE-EXTRAORDINARY>                       3,110
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,048
<EPS-PRIMARY>                                     0.68
<EPS-DILUTED>                                     0.67
<YIELD-ACTUAL>                                    5.41
<LOANS-NON>                                      1,396
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   457
<LOANS-PROBLEM>                                  2,500
<ALLOWANCE-OPEN>                                 4,587
<CHARGE-OFFS>                                      304
<RECOVERIES>                                       325
<ALLOWANCE-CLOSE>                                4,758
<ALLOWANCE-DOMESTIC>                             3,938
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            820