<ARTICLE> 9 <RESTATED> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 11,149 <INT-BEARING-DEPOSITS> 7,180 <FED-FUNDS-SOLD> 10,150 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 16,584 <INVESTMENTS-CARRYING> 6,764 <INVESTMENTS-MARKET> 6,702 <LOANS> 411,976 <ALLOWANCE> 4,685 <TOTAL-ASSETS> 488,793 <DEPOSITS> 413,204 <SHORT-TERM> 3,500 <LIABILITIES-OTHER> 5,794 <LONG-TERM> 35,548 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,264 <OTHER-SE> 27,739 <TOTAL-LIABILITIES-AND-EQUITY> 488,793 <INTEREST-LOAN> 25,470 <INTEREST-INVEST> 1,096 <INTEREST-OTHER> 1,000 <INTEREST-TOTAL> 27,566 <INTEREST-DEPOSIT> 12,343 <INTEREST-EXPENSE> 13,770 <INTEREST-INCOME-NET> 13,796 <LOAN-LOSSES> 894 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,315 <INCOME-PRETAX> 4,414 <INCOME-PRE-EXTRAORDINARY> 2,813 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,813 <EPS-BASIC> 0.46 <EPS-DILUTED> 0.45 <YIELD-ACTUAL> 4.76 <LOANS-NON> 2,053 <LOANS-PAST> 76 <LOANS-TROUBLED> 652 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,012 <CHARGE-OFFS> 476 <RECOVERIES> 92 <ALLOWANCE-CLOSE> 4,685 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0