<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
These schedules contain summary information  extracted from the quarterly report
on Form 10-QSB for the quarters  and year ends noted and are  qualified in their
entirety by reference to such financial statements.
</LEGEND>
<RESTATED>
<MULTIPLIER>                                   1,000
       
<S>                                            <C>           <C>          <C>            <C>
<PERIOD-TYPE>                                  6-MOS         9-MOS        12-MOS         3-MOS      
<FISCAL-YEAR-END>                              Dec-31-1996   Dec-31-1996   Dec-31-1996   Dec-31-1997
<PERIOD-END>                                   Jun-30-1996   Sep-30-1996   Dec-31-1996   Mar-31-1997
<CASH>                                                3988          3859          4388          4979
<INT-BEARING-DEPOSITS>                                1497          2309          5410          4016
<FED-FUNDS-SOLD>                                         0             0             0             0
<TRADING-ASSETS>                                         0             0             0             0
<INVESTMENTS-HELD-FOR-SALE>                              0             0          6546          8590
<INVESTMENTS-CARRYING>                                8287             0             0             0
<INVESTMENTS-MARKET>                                  8409         7,226             0             0
<LOANS>                                             149852        156377        154701        162185
<ALLOWANCE>                                           1718          1716          1715          1740
<TOTAL-ASSETS>                                      172006        177840        184607        188027
<DEPOSITS>                                          114364        116305        116949        126432
<SHORT-TERM>                                         40500         44000         50000         43500
<LIABILITIES-OTHER>                                    148           591           642           814
<LONG-TERM>                                            235           228           220           213
<PREFERRED-MANDATORY>                                    0             0             0             0
<PREFERRED>                                              0             0             0             0
<COMMON>                                                11            11            11            11
<OTHER-SE>                                           16577         16705         16785         17057
<TOTAL-LIABILITIES-AND-EQUITY>                      172006        177840        167811        170959
<INTEREST-LOAN>                                       5919          9092         12467          3334
<INTEREST-INVEST>                                      266           369           624           164
<INTEREST-OTHER>                                       157           241           156            43
<INTEREST-TOTAL>                                      6342          9702         13247          3541
<INTEREST-DEPOSIT>                                    2628          3966          5324          1376
<INTEREST-EXPENSE>                                    3547          5491          7530          2003
<INTEREST-INCOME-NET>                                2,795         4,211         5,717         1,539
<LOAN-LOSSES>                                          800           800           800            24
<SECURITIES-GAINS>                                       9             9             7             0
<EXPENSE-OTHER>                                       2005          3040          4186          1126
<INCOME-PRETAX>                                        286           840          1426           588
<INCOME-PRE-EXTRAORDINARY>                             286           840          1426           588
<EXTRAORDINARY>                                          0             0             0             0
<CHANGES>                                                0             0             0             0
<NET-INCOME>                                           187           532           876           358
<EPS-PRIMARY>                                         0.19          0.54          0.90          0.39
<EPS-DILUTED>                                         0.19          0.54          0.89          0.38
<YIELD-ACTUAL>                                        8.12             0          3.52          3.56
<LOANS-NON>                                           2750          2444          2484          2522
<LOANS-PAST>                                             0             0             0             0
<LOANS-TROUBLED>                                         0             0             0             0
<LOANS-PROBLEM>                                       1167          1453          1156         1,148
<ALLOWANCE-OPEN>                                       922           922           922         1,715
<CHARGE-OFFS>                                            4             6             7             0
<RECOVERIES>                                             0             0             0             1
<ALLOWANCE-CLOSE>                                     1718          1716          1715         1,740
<ALLOWANCE-DOMESTIC>                                  1718          1716          1715         1,740
<ALLOWANCE-FOREIGN>                                      0             0             0             0
<ALLOWANCE-UNALLOCATED>                                  0             0             0             0
                                               


</TABLE>