<TABLE> <S> <C>

<ARTICLE>9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q 
FOR THE QUARTERLY PERIOD ENDED JUNE 30, 1997 AND IS QUALIFIED IN ITS ENTIRETY 
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<RESTATED>
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   JUN-30-1997
<CASH>                                         11,065,084
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                    30,776,055
<INVESTMENTS-CARRYING>                         58,548,941
<INVESTMENTS-MARKET>                                    0
<LOANS>                                       204,128,158
<ALLOWANCE>                                     2,091,206
<TOTAL-ASSETS>                                312,928,457
<DEPOSITS>                                    272,371,710
<SHORT-TERM>                                    6,929,662
<LIABILITIES-OTHER>                             3,326,509
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                        4,530,688
<OTHER-SE>                                     25,769,888
<TOTAL-LIABILITIES-AND-EQUITY>                312,928,457
<INTEREST-LOAN>                                 8,997,462
<INTEREST-INVEST>                               2,828,873
<INTEREST-OTHER>                                   63,795
<INTEREST-TOTAL>                               11,890,130
<INTEREST-DEPOSIT>                              5,014,088
<INTEREST-EXPENSE>                              5,135,825
<INTEREST-INCOME-NET>                           6,754,305
<LOAN-LOSSES>                                     240,000
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                 4,885,396
<INCOME-PRETAX>                                 3,002,315
<INCOME-PRE-EXTRAORDINARY>                      3,002,315
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                    2,092,671
<EPS-PRIMARY>                                         .58
<EPS-DILUTED>                                         .57
<YIELD-ACTUAL>                                       4.65
<LOANS-NON>                                         9,000
<LOANS-PAST>                                      103,000
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                1,986,000
<CHARGE-OFFS>                                     215,000
<RECOVERIES>                                       80,000
<ALLOWANCE-CLOSE>                               2,091,000
<ALLOWANCE-DOMESTIC>                            1,931,000
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                           160,000
        

</TABLE>