<TABLE> <S> <C>

<ARTICLE>9
<RESTATED>
<MULTIPLIER>1,000
       
<S>                                 <C>
<PERIOD-TYPE>                       3-MOS
<FISCAL-YEAR-END>                                 DEC-31-1997
<PERIOD-END>                                      MAR-31-1997
<CASH>                                                  8,046
<INT-BEARING-DEPOSITS>                                      0
<FED-FUNDS-SOLD>                                        4,500
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                             9,171
<INVESTMENTS-CARRYING>                                 16,016
<INVESTMENTS-MARKET>                                   15,876
<LOANS>                                                70,582
<ALLOWANCE>                                               954
<TOTAL-ASSETS>                                        101,597
<DEPOSITS>                                             88,967
<SHORT-TERM>                                            2,206
<LIABILITIES-OTHER>                                       868
<LONG-TERM>                                                 0
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                                3,662
<OTHER-SE>                                                  0
<TOTAL-LIABILITIES-AND-EQUITY>                        101,597
<INTEREST-LOAN>                                         1,731
<INTEREST-INVEST>                                         242
<INTEREST-OTHER>                                           48
<INTEREST-TOTAL>                                        2,021
<INTEREST-DEPOSIT>                                        637
<INTEREST-EXPENSE>                                        665
<INTEREST-INCOME-NET>                                   1,356
<LOAN-LOSSES>                                               0
<SECURITIES-GAINS>                                          0
<EXPENSE-OTHER>                                         1,252
<INCOME-PRETAX>                                           298
<INCOME-PRE-EXTRAORDINARY>                                298
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                              182
<EPS-PRIMARY>                                            0.17
<EPS-DILUTED>                                            0.15
<YIELD-ACTUAL>                                           6.13
<LOANS-NON>                                               384
<LOANS-PAST>                                              224
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                          971
<CHARGE-OFFS>                                              19
<RECOVERIES>                                                2
<ALLOWANCE-CLOSE>                                         954
<ALLOWANCE-DOMESTIC>                                      954
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                   340
        

</TABLE>