<ARTICLE> 9
<RESTATED> 
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<PERIOD-TYPE>                   12-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-END>                               DEC-31-1996             JUN-30-1996
<CASH>                                          14,833                   9,158
<INT-BEARING-DEPOSITS>                              98                       3
<FED-FUNDS-SOLD>                                 5,000                   1,000
<TRADING-ASSETS>                                     0                       0
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<INVESTMENTS-MARKET>                                 0                       0
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<ALLOWANCE>                                      1,615                   1,690
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<SHORT-TERM>                                         0                       0
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<LONG-TERM>                                          0                       0
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<INTEREST-INVEST>                                1,805                     887
<INTEREST-OTHER>                                   167                      43
<INTEREST-TOTAL>                                13,227                   6,426
<INTEREST-DEPOSIT>                               4,534                   2,166
<INTEREST-EXPENSE>                               4,694                   2,266
<INTEREST-INCOME-NET>                            8,533                   4,160
<LOAN-LOSSES>                                        0                       0
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<EXPENSE-OTHER>                                  9,902                   4,965
<INCOME-PRETAX>                                  1,740                     970
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<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
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<EPS-PRIMARY>                                     0.55                    0.31
<EPS-DILUTED>                                     0.54                    0.30
<YIELD-ACTUAL>                                    6.45                    6.56
<LOANS-NON>                                      3,301                   3,855
<LOANS-PAST>                                        19                     179
<LOANS-TROUBLED>                                     0                       0
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<ALLOWANCE-OPEN>                                 1,784                   1,784
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<ALLOWANCE-FOREIGN>                                  0                       0
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