<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>                     <C>
<PERIOD-TYPE>                   YEAR                   9-MOS                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997             DEC-31-1997
<PERIOD-END>                               DEC-31-1997             SEP-30-1997             JUN-30-1997             MAR-31-1997
<CASH>                                          53,215                  53,165                  57,321                  51,755
<INT-BEARING-DEPOSITS>                             424                     349                     277                     127
<FED-FUNDS-SOLD>                                 1,800                  12,950                  11,300                   1,700
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                    200,008                 156,228                 155,843                 186,798
<INVESTMENTS-CARRYING>                         185,764                 210,552                 204,497                 151,273
<INVESTMENTS-MARKET>                           187,097                 212,073                 204,986                 150,007
<LOANS>                                      1,139,293               1,151,756               1,154,931               1,125,592
<ALLOWANCE>                                      9,882                   9,864                   9,807                   9,822
<TOTAL-ASSETS>                               1,590,011               1,588,304               1,589,354               1,521,354
<DEPOSITS>                                   1,375,277               1,376,979               1,377,422               1,294,065
<SHORT-TERM>                                    38,184                  33,641                  38,932                  54,516
<LIABILITIES-OTHER>                              8,453                  11,264                   8,872                  11,022
<LONG-TERM>                                     14,335                  15,054                  15,773                  16,492
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                        32,463                  32,463                  29,512                  29,512
<OTHER-SE>                                     121,299                 118,903                 118,843                 115,747
<TOTAL-LIABILITIES-AND-EQUITY>               1,590,011               1,588,304               1,589,354               1,521,354
<INTEREST-LOAN>                                 92,112                  68,563                  44,986                  22,123
<INTEREST-INVEST>                               23,161                  16,953                  10,931                   5,191
<INTEREST-OTHER>                                   699                     502                     312                     188
<INTEREST-TOTAL>                               115,972                  86,018                  56,229                  27,502
<INTEREST-DEPOSIT>                              46,131                  33,723                  21,611                  10,549
<INTEREST-EXPENSE>                              49,148                  36,107                  23,248                  11,140
<INTEREST-INCOME-NET>                           66,824                  49,911                  32,981                  16,362
<LOAN-LOSSES>                                    4,230                   3,155                   2,090                   1,045
<SECURITIES-GAINS>                                 195                      24                      21                      95
<EXPENSE-OTHER>                                 48,209                  36,003                  23,656                  11,815
<INCOME-PRETAX>                                 26,942                  19,892                  12,986                   6,438
<INCOME-PRE-EXTRAORDINARY>                      26,942                  19,892                  12,986                   6,438
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                    17,747                  13,089                   8,545                   4,216
<EPS-PRIMARY>                                     1.37                    1.01                     .66                     .32
<EPS-DILUTED>                                     1.37                    1.01                     .66                     .32
<YIELD-ACTUAL>                                    4.73                    4.77                    4.81                    4.89
<LOANS-NON>                                      7,762                   8,732                   8,952                  10,494
<LOANS-PAST>                                     1,232                     800                     501                     622
<LOANS-TROUBLED>                                   266                     266                     316                     317
<LOANS-PROBLEM>                                      0                       0                       0                       0
<ALLOWANCE-OPEN>                                 9,805                   9,805                   9,805                   9,805
<CHARGE-OFFS>                                    4,561                   3,425                   2,280                   1,136
<RECOVERIES>                                       408                     329                     192                     108
<ALLOWANCE-CLOSE>                                9,882                   9,864                   9,807                   9,822
<ALLOWANCE-DOMESTIC>                             9,882                   9,864                   9,807                   9,822
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0                       0
        

</TABLE>