<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