<TABLE> <S> <C>

<ARTICLE> 9
<RESTATED> 
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-START>                             MAR-31-1997             JUN-30-1997             SEP-30-1997
<PERIOD-END>                               DEC-31-1997             DEC-31-1997             DEC-31-1997
<CASH>                                           5,728                   6,733                   5,768
<INT-BEARING-DEPOSITS>                             100                      99                     399
<FED-FUNDS-SOLD>                                     0                       0                       0
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                      8,030                   9,039                   8,848
<INVESTMENTS-CARRYING>                          27,033                  29,374                  30,445
<INVESTMENTS-MARKET>                            26,808                  29,294                  30,477
<LOANS>                                        556,973<F1>                 572,191<F2>                 590,808<F1>
<ALLOWANCE>                                      2,987                   3,043                   3,110
<TOTAL-ASSETS>                                 617,899                 637,725                 656,745
<DEPOSITS>                                     467,381                 477,889                 478,346
<SHORT-TERM>                                    14,226                   7,894                  25,097
<LIABILITIES-OTHER>                              4,314                  10,628                  14,576
<LONG-TERM>                                     57,725                  68,925                  65,925
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                         4,568                  71,889                  72,801
<OTHER-SE>                                      66,549                       0                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 617,899                 637,725                 656,745
<INTEREST-LOAN>                                 10,487                  10,773                  11,171
<INTEREST-INVEST>                                  607                     642                     686
<INTEREST-OTHER>                                     0                       0                       0
<INTEREST-TOTAL>                                11,094                  11,415                  11,857
<INTEREST-DEPOSIT>                               5,061                   5,273                   5,500
<INTEREST-EXPENSE>                               6,231                   6,444                   6,802
<INTEREST-INCOME-NET>                            4,863                   4,971                   4,965
<LOAN-LOSSES>                                       75                      65                      90
<SECURITIES-GAINS>                                   0                       0                       0
<EXPENSE-OTHER>                                  3,295                   3,334                   3,270
<INCOME-PRETAX>                                  2,229                   2,354                   2,547
<INCOME-PRE-EXTRAORDINARY>                           0                       0                   1,586
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     1,385                   1,459                   1,586
<EPS-PRIMARY>                                      .16<F2>                     .32<F2>                     .18<F2>
<EPS-DILUTED>                                      .15<F2>                     .31<F2>                     .17<F2>
<YIELD-ACTUAL>                                    3.26                    3.28                    3.24
<LOANS-NON>                                        722                     296                     518
<LOANS-PAST>                                         0                       0                       0
<LOANS-TROUBLED>                                     0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                                 2,937                   2,987                   3,043
<CHARGE-OFFS>                                       29                      15                      28
<RECOVERIES>                                         4                       6                       5
<ALLOWANCE-CLOSE>                                2,987                   3,043                   3,110
<ALLOWANCE-DOMESTIC>                             2,987                   3,043                   3,110
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       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>