<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
RESPECTIVE 10-QS DATED MAY 13, 1999 AND AUGUST 12, 1999. IT HAS BEEN RESTATED TO
REFLECT THE SEPTEMBER 1999 REORGANIZATION AND RECAPITALIZATION OF THE COMPANY.
</LEGEND>
<RESTATED>

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   3-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               JUN-30-1999             MAR-31-1999             DEC-31-1998
<CASH>                                          14,496                  14,569                  13,892
<INT-BEARING-DEPOSITS>                               0                       0                       3
<FED-FUNDS-SOLD>                                 2,500                  16,040                  13,270
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                     46,604                  34,854                  27,082
<INVESTMENTS-CARRYING>                           6,259                   6,689                   7,146
<INVESTMENTS-MARKET>                             6,336                   6,805                   7,250
<LOANS>                                        417,416                 346,063                 295,182
<ALLOWANCE>                                      3,621                   3,095                   2,187
<TOTAL-ASSETS>                                 499,383                 429,938                 367,207
<DEPOSITS>                                     428,512                 366,951                 319,480
<SHORT-TERM>                                     9,563                   5,530                   5,080
<LIABILITIES-OTHER>                              3,154                   3,796                   3,818
<LONG-TERM>                                     12,193                   8,650                  17,440
<PREFERRED-MANDATORY>                           23,000                  23,000                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                         1,520                   1,520                     837
<OTHER-SE>                                      21,441                  20,491                  19,869
<TOTAL-LIABILITIES-AND-EQUITY>                 499,383                 429,938                 367,207
<INTEREST-LOAN>                                 17,642                   7,975                  24,160
<INTEREST-INVEST>                                1,096                     472                   1,724
<INTEREST-OTHER>                                   414                     180                     870
<INTEREST-TOTAL>                                19,152                   8,627                  26,754
<INTEREST-DEPOSIT>                               8,495                   3,825                  11,884
<INTEREST-EXPENSE>                               9,773                   4,340                  12,754
<INTEREST-INCOME-NET>                            9,379                   4,287                  14,000
<LOAN-LOSSES>                                    1,429                     915                   1,090
<SECURITIES-GAINS>                                   0                       0                     (4)
<EXPENSE-OTHER>                                  6,939                   3,189                  10,659
<INCOME-PRETAX>                                  2,910                   1,043                   5,091
<INCOME-PRE-EXTRAORDINARY>                       1,953                     712                   3,375
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     1,953                     712                   3,375
<EPS-BASIC>                                       0.26                    0.10                    0.46
<EPS-DILUTED>                                     0.26                    0.10                    0.46
<YIELD-ACTUAL>                                    4.68                    4.60                    5.23
<LOANS-NON>                                        352                     394                     635
<LOANS-PAST>                                       334                     525                     288
<LOANS-TROUBLED>                                     0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                                 2,187                   2,187                   1,321
<CHARGE-OFFS>                                       31                      20                     398
<RECOVERIES>                                        36                      13                     174
<ALLOWANCE-CLOSE>                                3,621                   3,095                   2,187
<ALLOWANCE-DOMESTIC>                                 0                       0                       0
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                          3,621                   3,095                   2,187


</TABLE>