<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE SHEETS AND STATEMENTS OF INCOME CONTAINED IN THE COMPANY'S REPORTS FILED ON FORM 10-KSB FOR DECEMBER 31, 1996 AND FORMS 10-QSB FOR MARCH 31, JUNE 30, AND SEPTEMBER 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <RESTATED> <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR YEAR 3-MOS 6-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1995 DEC-31-1996 DEC-31-1996 DEC-31-1996 DEC-31-1996 <PERIOD-START> JAN-01-1995 JAN-01-1996 JAN-01-1996 JAN-01-1996 JAN-01-1996 <PERIOD-END> DEC-31-1995 DEC-31-1996 MAR-31-1996 JUN-30-1996 SEP-30-1996 <CASH> 24,233 25,936 20,831 22,825 25,435 <INT-BEARING-DEPOSITS> 0 0 0 0 0 <FED-FUNDS-SOLD> 10,500 7,200 9,000 7,500 11,200 <TRADING-ASSETS> 0 0 0 0 0 <INVESTMENTS-HELD-FOR-SALE> 18,250 23,117 20,238 16,976 21,734 <INVESTMENTS-CARRYING> 7,922 11,344 9,840 11,151 10,085 <INVESTMENTS-MARKET> 7,952 11,342 9,833 10,991 9,995 <LOANS> 161,950 180,410 165,320 172,019 175,580 <ALLOWANCE> 2,916 3,129 3,105 3,601 3,385 <TOTAL-ASSETS> 237,034 257,306 240,243 244,689 258,548 <DEPOSITS> 213,836 229,344 216,314 216,983 229,235 <SHORT-TERM> 543 2,376 499 3,805 4,278 <LIABILITIES-OTHER> 1,788 1,901 2,162 1,822 2,029 <LONG-TERM> 3,640 3,513 3,608 3,725 3,680 <PREFERRED-MANDATORY> 0 0 0 0 0 <PREFERRED> 0 0 0 0 0 <COMMON> 9,156 11,758 9,924 9,958 9,958 <OTHER-SE> 8,071 8,414 7,736 8,396 9,368 <TOTAL-LIABILITIES-AND-EQUITY> 237,034 257,306 240,243 244,689 258,548 <INTEREST-LOAN> 17,527 17,764 4,277 8,645 13,151 <INTEREST-INVEST> 1,327 1,691 357 745 1,155 <INTEREST-OTHER> 432 385 118 155 288 <INTEREST-TOTAL> 19,286 19,840 4,747 9,545 14,594 <INTEREST-DEPOSIT> 4,736 4,695 1,138 2,263 3,474 <INTEREST-EXPENSE> 5,164 5,112 1,229 2,463 3,780 <INTEREST-INCOME-NET> 14,122 14,728 3,518 7,087 10,814 <LOAN-LOSSES> 3,306 1,300 300 1,000 1,100 <SECURITIES-GAINS> (10) (24) 0 (24) (24) <EXPENSE-OTHER> 15,324 15,543 3,762 7,683 11,517 <INCOME-PRETAX> 2,094 4,836 974 2,085 3,557 <INCOME-PRE-EXTRAORDINARY> 1,532 2,744 533 1,200 2,102 <EXTRAORDINARY> 0 0 0 0 0 <CHANGES> 0 0 0 0 0 <NET-INCOME> 1,532 2,744 533 1,200 2,102 <EPS-PRIMARY> .40 .66 .13 .29 .51 <EPS-DILUTED> .38 .61 .12 .27 .47 <YIELD-ACTUAL> 9.95 9.53 9.65 9.54 9.53 <LOANS-NON> 5,290 3,541 5,093 4,340 5,415 <LOANS-PAST> 0 0 0 0 0 <LOANS-TROUBLED> 6,938 5,405 4,648 4,648 4,388 <LOANS-PROBLEM> 0 0 0 0 0 <ALLOWANCE-OPEN> 2,739 2,916 2,916 2,916 2,916 <CHARGE-OFFS> 3,244 1,420 325 543 887 <RECOVERIES> 115 333 214 228 256 <ALLOWANCE-CLOSE> 2,916 3,129 3,105 3,601 3,385 <ALLOWANCE-DOMESTIC> 2,916 3,129 3,105 3,601 3,385 <ALLOWANCE-FOREIGN> 0 0 0 0 0 <ALLOWANCE-UNALLOCATED> 0 0 0 0 0