<ARTICLE> 9 <RESTATED> <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> JUN-30-1998 <CASH> 18,139 <INT-BEARING-DEPOSITS> 2,335 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,791 <INVESTMENTS-CARRYING> 12,435 <INVESTMENTS-MARKET> 12,406 <LOANS> 215,752 <ALLOWANCE> 2,324 <TOTAL-ASSETS> 264,700 <DEPOSITS> 236,334 <SHORT-TERM> 1,800 <LIABILITIES-OTHER> 2,706 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,735 <OTHER-SE> 11,125 <TOTAL-LIABILITIES-AND-EQUITY> 264,700 <INTEREST-LOAN> 10,304 <INTEREST-INVEST> 659 <INTEREST-OTHER> 301 <INTEREST-TOTAL> 11,264 <INTEREST-DEPOSIT> 3,754 <INTEREST-EXPENSE> 3,836 <INTEREST-INCOME-NET> 7,428 <LOAN-LOSSES> 540 <SECURITIES-GAINS> (5) <EXPENSE-OTHER> 14,521 <INCOME-PRETAX> 2,695 <INCOME-PRE-EXTRAORDINARY> 2,695 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,424 <EPS-PRIMARY> 0.57 <EPS-DILUTED> 0.54 <YIELD-ACTUAL> 6.50 <LOANS-NON> 2,525 <LOANS-PAST> 194 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 0 <CHARGE-OFFS> 262 <RECOVERIES> 123 <ALLOWANCE-CLOSE> 2,324 <ALLOWANCE-DOMESTIC> 1,744 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 580