<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule restates previously filed financial information to give
effect to the merger between BT Financial Corporation and First Philson
Financial Corporation.  The merger was completed on July 14, 1999 and
was accounted for as a pooling-of-interests.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   3-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998             DEC-31-1997
<PERIOD-END>                               JUN-30-1998             MAR-31-1998             DEC-31-1997
<CASH>                                          55,992                  57,145                  59,597
<INT-BEARING-DEPOSITS>                             539                     654                     935
<FED-FUNDS-SOLD>                                23,400                  11,200                  10,700
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                    333,635                 291,248                 220,191
<INVESTMENTS-CARRYING>                         195,229                 232,566                 243,212
<INVESTMENTS-MARKET>                           196,437                 233,845                 244,864
<LOANS>                                      1,304,135               1,276,460               1,244,682
<ALLOWANCE>                                     13,265                  12,712                  12,611
<TOTAL-ASSETS>                               1,947,431               1,893,135               1,792,036
<DEPOSITS>                                   1,567,458               1,553,302               1,549,520
<SHORT-TERM>                                    75,488                 110,713                  41,532
<LIABILITIES-OTHER>                              9,657                  11,893                   9,416
<LONG-TERM>                                    112,898                  38,616                  14,335
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                        79,449                  79,449                  39,725
<OTHER-SE>                                     102,481                  99,162                 137,508
<TOTAL-LIABILITIES-AND-EQUITY>               1,947,431               1,893,135               1,792,036
<INTEREST-LOAN>                                 52,254                  25,709                 101,413
<INTEREST-INVEST>                               16,567                   7,673                  27,788
<INTEREST-OTHER>                                   449                     173                   1,312
<INTEREST-TOTAL>                                69,270                  33,555                 130,513
<INTEREST-DEPOSIT>                              26,672                  13,311                  51,872
<INTEREST-EXPENSE>                              30,184                  14,486                  54,987
<INTEREST-INCOME-NET>                           39,086                  19,069                  75,526
<LOAN-LOSSES>                                    2,915                   1,253                   4,250
<SECURITIES-GAINS>                                  64                      21                     195
<EXPENSE-OTHER>                                 28,700                  14,581                  54,149
<INCOME-PRETAX>                                 14,140                   6,405                  30,701
<INCOME-PRE-EXTRAORDINARY>                      14,140                   6,405                  30,701
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     9,851                   4,413                  20,478
<EPS-BASIC>                                        .59                     .26                    1.23
<EPS-DILUTED>                                      .59                     .26                    1.23
<YIELD-ACTUAL>                                    4.62                    4.66                    4.73
<LOANS-NON>                                      8,544                   9,235                   8,126
<LOANS-PAST>                                       504                     543                   1,696
<LOANS-TROUBLED>                                   265                     265                     266
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                                12,611                  12,611                  12,822
<CHARGE-OFFS>                                    2,914                   1,292                   5,159
<RECOVERIES>                                       638                     140                     698
<ALLOWANCE-CLOSE>                               13,265                  12,712                  12,611
<ALLOWANCE-DOMESTIC>                            13,265                  12,712                  12,611
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0


</TABLE>