<ARTICLE> 9 <RESTATED> <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 11,325 <INT-BEARING-DEPOSITS> 4,003 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 4,116 <INVESTMENTS-CARRYING> 24,285 <INVESTMENTS-MARKET> 24,168 <LOANS> 292,751 <ALLOWANCE> 1,032 <TOTAL-ASSETS> 346,469 <DEPOSITS> 286,574 <SHORT-TERM> 15,500 <LIABILITIES-OTHER> 6,124 <LONG-TERM> 10,578 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,971 <OTHER-SE> 25,722 <TOTAL-LIABILITIES-AND-EQUITY> 346,469 <INTEREST-LOAN> 22,939 <INTEREST-INVEST> 1,993 <INTEREST-OTHER> 508 <INTEREST-TOTAL> 25,440 <INTEREST-DEPOSIT> 12,478 <INTEREST-EXPENSE> 14,257 <INTEREST-INCOME-NET> 11,183 <LOAN-LOSSES> 143 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 8,775 <INCOME-PRETAX> 5,558 <INCOME-PRE-EXTRAORDINARY> 3,648 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,648 <EPS-PRIMARY> 1.68 <EPS-DILUTED> 1.68 <YIELD-ACTUAL> 3.47 <LOANS-NON> 630 <LOANS-PAST> 452 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 943 <CHARGE-OFFS> 56 <RECOVERIES> 2 <ALLOWANCE-CLOSE> 1,032 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,032