<ARTICLE> 9 <RESTATED> <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> DEC-31-1996 <EXCHANGE-RATE> 1 <CASH> 5,855 <INT-BEARING-DEPOSITS> 6,733 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 104,937 <INVESTMENTS-CARRYING> 6,678 <INVESTMENTS-MARKET> 6,918 <LOANS> 225,849 <ALLOWANCE> 4,533 <TOTAL-ASSETS> 358,954 <DEPOSITS> 316,366 <SHORT-TERM> 4,256 <LIABILITIES-OTHER> 3,216 <LONG-TERM> 671 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 752 <OTHER-SE> 33,693 <TOTAL-LIABILITIES-AND-EQUITY> 358,954 <INTEREST-LOAN> 20,237 <INTEREST-INVEST> 7,544 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 27,781 <INTEREST-DEPOSIT> 11,147 <INTEREST-EXPENSE> 11,469 <INTEREST-INCOME-NET> 16,312 <LOAN-LOSSES> 116 <SECURITIES-GAINS> 250 <EXPENSE-OTHER> 9,768 <INCOME-PRETAX> 8,577 <INCOME-PRE-EXTRAORDINARY> 8,577 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,609 <EPS-PRIMARY> 0.90 <EPS-DILUTED> 0.84 <YIELD-ACTUAL> 4.88 <LOANS-NON> 2,712 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,400 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,533 <CHARGE-OFFS> 456 <RECOVERIES> 340 <ALLOWANCE-CLOSE> 4,533 <ALLOWANCE-DOMESTIC> 4,533 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0