<TABLE> <S> <C>

<ARTICLE> 9
<RESTATED> 
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995
<PERIOD-START>                             JUN-30-1996             SEP-30-1996
<PERIOD-END>                               DEC-31-1996             DEC-31-1996
<CASH>                                           7,107                   6,407
<INT-BEARING-DEPOSITS>                             231                     148
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      6,947                   7,448
<INVESTMENTS-CARRYING>                          26,729                  26,983
<INVESTMENTS-MARKET>                            26,412                  26,703
<LOANS>                                        517,965<F1>             547,262<F1>
<ALLOWANCE>                                      2,698                   2,779
<TOTAL-ASSETS>                                 580,128                 607,977
<DEPOSITS>                                     455,387                 456,124
<SHORT-TERM>                                     9,130                  23,020
<LIABILITIES-OTHER>                              3,404                   6,854
<LONG-TERM>                                     34,500                  47,600
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         4,572                   4,568
<OTHER-SE>                                      66,182                  64,839
<TOTAL-LIABILITIES-AND-EQUITY>                 580,128                 607,977
<INTEREST-LOAN>                                 19,082                  29,120
<INTEREST-INVEST>                                1,124                   1,719
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                20,206                  30,839
<INTEREST-DEPOSIT>                              10,137                  15,200
<INTEREST-EXPENSE>                              11,207                  17,070
<INTEREST-INCOME-NET>                            8,999                  13,769
<LOAN-LOSSES>                                      120                     210
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  6,607                  12,681
<INCOME-PRETAX>                                  3,535                   2,811
<INCOME-PRE-EXTRAORDINARY>                       3,535                   2,811
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,270                   1,879
<EPS-PRIMARY>                                      .25<F2>                 .21<F2>
<EPS-DILUTED>                                      .25<F2>                 .21<F2>
<YIELD-ACTUAL>                                    3.29                    3.31
<LOANS-NON>                                        854                     514
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  2,608                      22
<ALLOWANCE-OPEN>                                   120                     150
<CHARGE-OFFS>                                       39                      57
<RECOVERIES>                                        11                      18
<ALLOWANCE-CLOSE>                                2,698                   2,779
<ALLOWANCE-DOMESTIC>                             2,698                   2,779
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
<FN>
<F1>See financial statements and notes thereto in Form 10-Q.
<F2>Restated due to the adoption of FAS 128 in fiscal year 1997.
</FN>
        

</TABLE>