<ARTICLE> 9
<RESTATED> 
<MULTIPLIER> 1,000
       
                                                                       
<PERIOD-TYPE>                   9-MOS                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997
<PERIOD-END>                               SEP-30-1997             JUN-30-1997             MAR-31-1997
<CASH>                                          13,710                  12,070                   8,990
<INT-BEARING-DEPOSITS>                               0                       0                      95
<FED-FUNDS-SOLD>                                 2,500                   6,400                  12,300
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                     37,460                  37,199                  35,829
<INVESTMENTS-CARRYING>                               0                       0                       0
<INVESTMENTS-MARKET>                                 0                       0                       0
<LOANS>                                        119,836                 112,434                 101,192
<ALLOWANCE>                                      2,211                   1,891                   1,699
<TOTAL-ASSETS>                                 188,948                 186,870                 181,552
<DEPOSITS>                                     174,978                 170,862                 161,476
<SHORT-TERM>                                         0                       0                       0
<LIABILITIES-OTHER>                              1,525                   3,963                   6,179
<LONG-TERM>                                          0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                         9,276                   9,276                   9,201
<OTHER-SE>                                       2,995                   2,694                   4,836
<TOTAL-LIABILITIES-AND-EQUITY>                 188,948                 186,870                 181,552
<INTEREST-LOAN>                                  9,034                   5,704                   2,800
<INTEREST-INVEST>                                1,750                   1,148                     534
<INTEREST-OTHER>                                   354                     255                     114
<INTEREST-TOTAL>                                11,138                   7,107                   3,448
<INTEREST-DEPOSIT>                               3,900                   2,569                   1,259
<INTEREST-EXPENSE>                               3,960                   2,609                   1,279
<INTEREST-INCOME-NET>                            7,178                   4,498                   2,169
<LOAN-LOSSES>                                    1,295                     835                       0
<SECURITIES-GAINS>                                (34)                    (34)                       2
<EXPENSE-OTHER>                                 10,771                   8,351                   2,545
<INCOME-PRETAX>                                (2,764)                 (3,288)                     405
<INCOME-PRE-EXTRAORDINARY>                     (2,996)                 (3,288)                     405
<EXTRAORDINARY>                                    135                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                   (1,606)                 (1,907)                     235
<EPS-PRIMARY>                                   (0.87)                  (1.03)                    0.13
<EPS-DILUTED>                                   (0.87)                  (1.03)                    0.12
<YIELD-ACTUAL>                                    6.30                    6.09                    6.10
<LOANS-NON>                                      2,013                   2,496                   3,442
<LOANS-PAST>                                       184                     222                       9
<LOANS-TROUBLED>                                    31                      31                       0
<LOANS-PROBLEM>                                    273                     261                     282
<ALLOWANCE-OPEN>                                 1,615                   1,615                   1,615
<CHARGE-OFFS>                                      820                     674                       6
<RECOVERIES>                                       121                     115                      90
<ALLOWANCE-CLOSE>                                2,211                   1,891                   1,699
<ALLOWANCE-DOMESTIC>                                 0                       0                       0
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                          2,211                   1,891                   1,699