<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated financial statements as of June 30, 1996 and for the six months 
then ended included in the Form 10-QSB for the quarter ended June 30, 1996 and
is qualified in its entirety by reference to such Form 10-QSB.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                           1,278
<INT-BEARING-DEPOSITS>                           1,667
<FED-FUNDS-SOLD>                                   350
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                          26,144
<INVESTMENTS-MARKET>                            25,846
<LOANS>                                         43,402
<ALLOWANCE>                                       (71)
<TOTAL-ASSETS>                                  76,128
<DEPOSITS>                                      61,752
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,638
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            10
<OTHER-SE>                                      12,728
<TOTAL-LIABILITIES-AND-EQUITY>                  76,128
<INTEREST-LOAN>                                  1,836
<INTEREST-INVEST>                                  744
<INTEREST-OTHER>                                   206
<INTEREST-TOTAL>                                 2,786
<INTEREST-DEPOSIT>                               1,277
<INTEREST-EXPENSE>                               1,277
<INTEREST-INCOME-NET>                            1,509
<LOAN-LOSSES>                                       15
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,421
<INCOME-PRETAX>                                    692
<INCOME-PRE-EXTRAORDINARY>                         692
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       442
<EPS-PRIMARY>                                     0.50
<EPS-DILUTED>                                     0.50
<YIELD-ACTUAL>                                    7.41
<LOANS-NON>                                          0
<LOANS-PAST>                                       248
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    82
<CHARGE-OFFS>                                       15
<RECOVERIES>                                         5
<ALLOWANCE-CLOSE>                                   71
<ALLOWANCE-DOMESTIC>                                71
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0