<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-31-1997   Dec-31-1996    Dec-31-1997    Dec-31-1998 
<PERIOD-END>                                    Jun-30-1997   Sep-30-1997    Dec-31-1997    Mar-31-1998 
<CASH>                                                 4961          4467           4358           5729 
<INT-BEARING-DEPOSITS>                                 1040          2527           5580           6196 
<FED-FUNDS-SOLD>                                          0             0              0              0 
<TRADING-ASSETS>                                          0             0              0              0 
<INVESTMENTS-HELD-FOR-SALE>                            8152          8270           7863          10446 
<INVESTMENTS-CARRYING>                                    0             0              0              0 
<INVESTMENTS-MARKET>                                      0             0              0              0 
<LOANS>                                              171075        176239         178745         182902 
<ALLOWANCE>                                            1445          1467           1478           1502 
<TOTAL-ASSETS>                                       194117        200266         206584         216065 
<DEPOSITS>                                           130793        135494         137685         146240 
<SHORT-TERM>                                          45500         46500          50000          50000 
<LIABILITIES-OTHER>                                     435           785            976           1465 
<LONG-TERM>                                             205           197            220            181 
<PREFERRED-MANDATORY>                                     0             0              0              0 
<PREFERRED>                                               0             0              0              0 
<COMMON>                                                 11             9              9              9 
<OTHER-SE>                                            17173         17281          17725          18170 
<TOTAL-LIABILITIES-AND-EQUITY>                       176933        182976         188850         197886 
<INTEREST-LOAN>                                        6867         10569          14384           3840 
<INTEREST-INVEST>                                       338           516            709            195 
<INTEREST-OTHER>                                         89           135            156             72 
<INTEREST-TOTAL>                                       7294         11220          15249           4107 
<INTEREST-DEPOSIT>                                     2855          4395           5975           1609 
<INTEREST-EXPENSE>                                     4149          6415           8708           2352 
<INTEREST-INCOME-NET>                                 3,145         4,805          6,541           1755 
<LOAN-LOSSES>                                            48            72             72             24 
<SECURITIES-GAINS>                                        0             0              0              0 
<EXPENSE-OTHER>                                        2314          3508           4786           1299 
<INCOME-PRETAX>                                        1182          1868           2607            740 
<INCOME-PRE-EXTRAORDINARY>                             1182          1868           2607            740 
<EXTRAORDINARY>                                           0             0              0              0 
<CHANGES>                                                 0             0              0              0 
<NET-INCOME>                                            719          1132           1566            445 
<EPS-PRIMARY>                                          0.78          1.24           1.72           0.49 
<EPS-DILUTED>                                          0.76          1.19           1.68           0.48 
<YIELD-ACTUAL>                                         3.55          3.55           3.56           3.49 
<LOANS-NON>                                             868           699           2094           2249 
<LOANS-PAST>                                              0             0              0              0 
<LOANS-TROUBLED>                                       1400          1400           1400           1400 
<LOANS-PROBLEM>                                        1148          1495           1112           1481 
<ALLOWANCE-OPEN>                                       1715          1467           1715           1478 
<CHARGE-OFFS>                                           320           322            322              0 
<RECOVERIES>                                              2             2             13              0 
<ALLOWANCE-CLOSE>                                      1445          1224           1478           1502 
<ALLOWANCE-DOMESTIC>                                   1445          1224           1478           1502 
<ALLOWANCE-FOREIGN>                                       0             0              0              0 
<ALLOWANCE-UNALLOCATED>                                   0             0            194            185 
                                                            
                                               

</TABLE>