<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MARCH
31, 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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           7,465
<INT-BEARING-DEPOSITS>                              26
<FED-FUNDS-SOLD>                                 6,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     51,819
<INVESTMENTS-CARRYING>                             758
<INVESTMENTS-MARKET>                               758
<LOANS>                                         89,273
<ALLOWANCE>                                      1,878
<TOTAL-ASSETS>                                 161,704
<DEPOSITS>                                     140,603
<SHORT-TERM>                                     1,757
<LIABILITIES-OTHER>                              2,305
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                               14
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      17,025
<TOTAL-LIABILITIES-AND-EQUITY>                 161,704
<INTEREST-LOAN>                                  2,340
<INTEREST-INVEST>                                  730
<INTEREST-OTHER>                                   130
<INTEREST-TOTAL>                                 3,200
<INTEREST-DEPOSIT>                               1,194
<INTEREST-EXPENSE>                               1,215
<INTEREST-INCOME-NET>                            1,985
<LOAN-LOSSES>                                      125
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,817
<INCOME-PRETAX>                                    648
<INCOME-PRE-EXTRAORDINARY>                         648
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       411
<EPS-PRIMARY>                                      .29
<EPS-DILUTED>                                      .25
<YIELD-ACTUAL>                                    5.65
<LOANS-NON>                                        767
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,931
<CHARGE-OFFS>                                      234
<RECOVERIES>                                        56
<ALLOWANCE-CLOSE>                                1,878
<ALLOWANCE-DOMESTIC>                             1,878
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>