<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE JUNE 30,
1997 10-Q FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS, EXCEPT FOR LINE 9-04(21) WHICH HAS BEEN RESTATED TO
CONFORM WITH THE ADOPTION OF FINANCIAL ACCOUNTING STANDARDS NO. 128.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000 
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                           8,510
<INT-BEARING-DEPOSITS>                              72
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     52,085
<INVESTMENTS-CARRYING>                             934
<INVESTMENTS-MARKET>                               934
<LOANS>                                         90,999
<ALLOWANCE>                                      1,760
<TOTAL-ASSETS>                                 161,967
<DEPOSITS>                                     131,482
<SHORT-TERM>                                     9,728
<LIABILITIES-OTHER>                              2,984
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            14
<OTHER-SE>                                      17,759
<TOTAL-LIABILITIES-AND-EQUITY>                 161,967
<INTEREST-LOAN>                                  4,727
<INTEREST-INVEST>                                1,631
<INTEREST-OTHER>                                   154
<INTEREST-TOTAL>                                 6,512
<INTEREST-DEPOSIT>                               2,430
<INTEREST-EXPENSE>                               2,548
<INTEREST-INCOME-NET>                            3,964
<LOAN-LOSSES>                                      260
<SECURITIES-GAINS>                                  19
<EXPENSE-OTHER>                                  3,611
<INCOME-PRETAX>                                  1,620
<INCOME-PRE-EXTRAORDINARY>                       1,620
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,069
<EPS-PRIMARY>                                      .76
<EPS-DILUTED>                                      .65
<YIELD-ACTUAL>                                    5.57
<LOANS-NON>                                      1,777
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,931
<CHARGE-OFFS>                                      546
<RECOVERIES>                                       115
<ALLOWANCE-CLOSE>                                1,760
<ALLOWANCE-DOMESTIC>                             1,760
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>