<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule restates previously filed financial information to give
effect to the merger between BT Financial Corporation and The Peoples
National Bank of Rural Valley.  The merger was completed on October
23, 1998 and was accounted for as a pooling-of-interests.
</LEGEND>
<MULTIPLIER> 1000
       
<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998             DEC-31-1998
<PERIOD-END>                               SEP-30-1998             JUN-30-1998             MAR-31-1998
<CASH>                                          48,507                  48,815                  51,001
<INT-BEARING-DEPOSITS>                              32                      27                     143
<FED-FUNDS-SOLD>                                 1,700                   7,100                   1,300
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                    286,342                 304,660                 268,173
<INVESTMENTS-CARRYING>                         111,397                 145,291                 178,340
<INVESTMENTS-MARKET>                           112,416                 146,161                 179,300
<LOANS>                                      1,238,374               1,200,856               1,171,277
<ALLOWANCE>                                     10,774                  10,376                  10,042
<TOTAL-ASSETS>                               1,721,155               1,738,009               1,690,671
<DEPOSITS>                                   1,381,277               1,386,245               1,378,634
<SHORT-TERM>                                    54,248                  72,697                 108,055
<LIABILITIES-OTHER>                             10,583                   8,719                  10,695
<LONG-TERM>                                    112,179                 112,898                  38,616
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                        64,926                  64,926                  64,926
<OTHER-SE>                                      97,942                  92,524                  89,745
<TOTAL-LIABILITIES-AND-EQUITY>               1,721,155               1,738,009               1,690,671
<INTEREST-LOAN>                                 72,280                  47,449                  23,321
<INTEREST-INVEST>                               20,864                  14,277                   6,547
<INTEREST-OTHER>                                   199                     151                      43
<INTEREST-TOTAL>                                93,343                  61,877                  29,911
<INTEREST-DEPOSIT>                              35,735                  23,851                  11,910
<INTEREST-EXPENSE>                              41,364                  27,307                  13,056
<INTEREST-INCOME-NET>                           51,979                  34,570                  16,855
<LOAN-LOSSES>                                    4,510                   2,895                   1,245
<SECURITIES-GAINS>                                 366                      64                      21
<EXPENSE-OTHER>                                 38,110                  25,695                  13,098
<INCOME-PRETAX>                                 19,398                  12,191                   5,466
<INCOME-PRE-EXTRAORDINARY>                      19,398                  12,191                   5,466
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                    13,456                   8,434                   3,728
<EPS-PRIMARY>                                     1.04                     .65                     .29
<EPS-DILUTED>                                     1.04                     .65                     .29
<YIELD-ACTUAL>                                    4.55                    4.58                    4.63
<LOANS-NON>                                      7,364                   8,235                   8,820
<LOANS-PAST>                                       739                     504                     495
<LOANS-TROUBLED>                                   265                     265                     265
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                                 9,882                   9,882                   9,882
<CHARGE-OFFS>                                    3,910                   2,621                   1,186
<RECOVERIES>                                       292                     205                     101
<ALLOWANCE-CLOSE>                               10,774                  10,376                  10,042
<ALLOWANCE-DOMESTIC>                            10,774                  10,376                  10,042
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0
        

</TABLE>