<ARTICLE> 9 <RESTATED> <MULTIPLIER> 1,000 <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 <INVESTMENTS-HELD-FOR-SALE> 33,270 27,702 <INVESTMENTS-CARRYING> 0 0 <INVESTMENTS-MARKET> 0 0 <LOANS> 102,458 100,110 <ALLOWANCE> 1,615 1,690 <TOTAL-ASSETS> 181,058 162,269 <DEPOSITS> 159,802 140,722 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 7,787 8,516 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 8,868 8,868 <OTHER-SE> 4,601 4,371 <TOTAL-LIABILITIES-AND-EQUITY> 181,058 162,269 <INTEREST-LOAN> 11,255 5,496 <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 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 9,902 4,965 <INCOME-PRETAX> 1,740 970 <INCOME-PRE-EXTRAORDINARY> 1,740 560 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 1,008 560 <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 <LOANS-PROBLEM> 242 139 <ALLOWANCE-OPEN> 1,784 1,784 <CHARGE-OFFS> 258 165 <RECOVERIES> 89 71 <ALLOWANCE-CLOSE> 1,615 1,690 <ALLOWANCE-DOMESTIC> 0 0 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 1,615 1,690