<ARTICLE> 9 <RESTATED> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-END> SEP-30-1996 <CASH> 14,134 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 56,303 <INVESTMENTS-CARRYING> 20,433 <INVESTMENTS-MARKET> 20,807 <LOANS> 219,732 <ALLOWANCE> 4,734 <TOTAL-ASSETS> 325,784 <DEPOSITS> 289,395 <SHORT-TERM> 0 <LIABILITIES-OTHER> 4,185 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,071 <OTHER-SE> 17,133 <TOTAL-LIABILITIES-AND-EQUITY> 32,204 <INTEREST-LOAN> 15,443 <INTEREST-INVEST> 3,041 <INTEREST-OTHER> 467 <INTEREST-TOTAL> 18,941 <INTEREST-DEPOSIT> 7,386 <INTEREST-EXPENSE> 7,386 <INTEREST-INCOME-NET> 11,555 <LOAN-LOSSES> 225 <SECURITIES-GAINS> 211 <EXPENSE-OTHER> 9,821 <INCOME-PRETAX> 4,944 <INCOME-PRE-EXTRAORDINARY> 4,944 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,256 <EPS-PRIMARY> 1.08 <EPS-DILUTED> 1.07 <YIELD-ACTUAL> 5.45 <LOANS-NON> 1,322 <LOANS-PAST> 0 <LOANS-TROUBLED> 354 <LOANS-PROBLEM> 2,500 <ALLOWANCE-OPEN> 4,587 <CHARGE-OFFS> 431 <RECOVERIES> 353 <ALLOWANCE-CLOSE> 4,734 <ALLOWANCE-DOMESTIC> 3,872 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 862