<TABLE> <S> <C>

<ARTICLE> 9
<RESTATED>
<MULTIPLIER> 1,000

<S>                                        <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                              9-MOS                   3-MOS                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1997             JAN-01-1996             JAN-01-1996             JAN-01-1996
<PERIOD-END>                               SEP-30-1997             MAR-31-1996             JUN-30-1996             SEP-30-1996
<CASH>                                          36,739                   3,121                   7,902                  14,332
<INT-BEARING-DEPOSITS>                             238                     237                     237                     236
<FED-FUNDS-SOLD>                                     0                   6,800                  11,420                       0
<TRADING-ASSETS>                                68,427                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0                       0                       0
<INVESTMENTS-CARRYING>                               0                       0                       0                       0
<INVESTMENTS-MARKET>                                 0                       0                       0                       0
<LOANS>                                         58,066                  61,362                  60,628                  73,850
<ALLOWANCE>                                      1,874                   4,725                   3,875                   3,266
<TOTAL-ASSETS>                                 178,667                  95,030                 105,468                 113,543
<DEPOSITS>                                     100,605                  72,781                  79,819                  84,791
<SHORT-TERM>                                         0                   6,500                   3,220                   5,231
<LIABILITIES-OTHER>                             19,097                   5,023                   4,759                   5,319
<LONG-TERM>                                     20,518                   1,720                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                            43                       0                      18                      18
<OTHER-SE>                                      38,404                   9,006                  17,652                  18,184
<TOTAL-LIABILITIES-AND-EQUITY>                 178,667                  95,030                 105,468                 113,543
<INTEREST-LOAN>                                  8,395                   2,278                   4,724                   7,406
<INTEREST-INVEST>                                  348                     130                     196                     302
<INTEREST-OTHER>                                     0                       0                       0                       0
<INTEREST-TOTAL>                                 8,743                   2,408                   4,920                   7,708
<INTEREST-DEPOSIT>                               3,654                   1,010                   2,010                   3,119
<INTEREST-EXPENSE>                               4,173                   1,227                   2,417                   3,606
<INTEREST-INCOME-NET>                            4,570                   1,181                   2,503                   4,102
<LOAN-LOSSES>                                    1,272                     725                     256                     267
<SECURITIES-GAINS>                                   0                       0                       0                       0
<EXPENSE-OTHER>                                 35,983                   5,636                  13,703                  21,767
<INCOME-PRETAX>                                 21,654                     627                   1,365                   2,741
<INCOME-PRE-EXTRAORDINARY>                      21,654                     627                   1,365                   2,741
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                    12,558                     279                     290                   1,088
<EPS-PRIMARY>                                     3.24                     .30                     .63                     .80
<EPS-DILUTED>                                     2.62                     .30                     .61                     .68
<YIELD-ACTUAL>                                    6.53                    6.18                    6.40                    6.85
<LOANS-NON>                                      1,162                     781                   1,246                   1,620
<LOANS-PAST>                                       603                     722                   1,022                   1,537
<LOANS-TROUBLED>                                     0                     950                     950                     591
<LOANS-PROBLEM>                                      0                       0                       0                       0
<ALLOWANCE-OPEN>                                 2,464                   4,229                   4,229                   4,229
<CHARGE-OFFS>                                    1,862                     229                     610                   1,274
<RECOVERIES>                                         0                       0                       0                      44
<ALLOWANCE-CLOSE>                                1,874                   4,725                   3,875                   3,266
<ALLOWANCE-DOMESTIC>                             1,874                   4,725                   3,875                   3,266
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0                       0


</TABLE>