<TABLE> <S> <C>

<ARTICLE>  9
<RESTATED>

<S>                                <C>            <C>            <C>
<PERIOD-TYPE>                       3-MOS          3-MOS          3-MOS
<FISCAL-YEAR-END>                   DEC-31-1997    DEC-31-1997    DEC-31-1997
<PERIOD-END>                        MAR-31-1997    JUN-30-1997    SEP-30-1997
<CASH>                                     1104           1254           1280
<INT-BEARING-DEPOSITS>                      355           1540           1375
<FED-FUNDS-SOLD>                              0           1400              0
<TRADING-ASSETS>                              0              0              0
<INVESTMENTS-HELD-FOR-SALE>               50657          44812          40330
<INVESTMENTS-CARRYING>                    50657          44812          40330
<INVESTMENTS-MARKET>                      50657          44812          40330
<LOANS>                                  114125         121132         125069
<ALLOWANCE>                                 911            924            910
<TOTAL-ASSETS>                           170531         174310         172160
<DEPOSITS>                               132285         131382         131740
<SHORT-TERM>                              16300          16050          13750
<LIABILITIES-OTHER>                        1310           1216           1269
<LONG-TERM>                                   0           5000           5000
<PREFERRED-MANDATORY>                         0              0              0
<PREFERRED>                                   0              0              0
<COMMON>                                     13             13             13
<OTHER-SE>                                20623          20649          20388
<TOTAL-LIABILITIES-AND-EQUITY>           170531         174310         172160
<INTEREST-LOAN>                            2164           2392           2447
<INTEREST-INVEST>                           794            732            667
<INTEREST-OTHER>                             16             16             20
<INTEREST-TOTAL>                           2974           3140           3134
<INTEREST-DEPOSIT>                         1767           1761           1770
<INTEREST-EXPENSE>                         1963           2040           2085
<INTEREST-INCOME-NET>                      1011           1100           1049
<LOAN-LOSSES>                                60             60             60
<SECURITIES-GAINS>                            4             58            (4)
<EXPENSE-OTHER>                             859            944            989
<INCOME-PRETAX>                             191            257            156
<INCOME-PRE-EXTRAORDINARY>                  191            257            156
<EXTRAORDINARY>                               0              0              0
<CHANGES>                                     0              0              0
<NET-INCOME>                                126            170            104
<EPS-PRIMARY>                               .10            .15            .09
<EPS-DILUTED>                               .10            .15            .09
<YIELD-ACTUAL>                             2.50           2.65           2.47
<LOANS-NON>                                 564            282            378
<LOANS-PAST>                                564            282            378
<LOANS-TROUBLED>                           1636           1644           1522
<LOANS-PROBLEM>                              57             50             56
<ALLOWANCE-OPEN>                            923            911            924
<CHARGE-OFFS>                                74             51             81
<RECOVERIES>                                  2              4              7
<ALLOWANCE-CLOSE>                           911            924            910
<ALLOWANCE-DOMESTIC>                        911            924            910
<ALLOWANCE-FOREIGN>                           0              0              0
<ALLOWANCE-UNALLOCATED>                       0              0              0