<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS RESTATED SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 
FORM 10-Q FOR THE 6 MONTHS ENDED JUNE 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FORM 10-Q.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<EXCHANGE-RATE>                                  1,000
<CASH>                                           9,837
<INT-BEARING-DEPOSITS>                             150
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     97,721
<INVESTMENTS-CARRYING>                          67,828
<INVESTMENTS-MARKET>                            65,702
<LOANS>                                        285,953
<ALLOWANCE>                                      1,725
<TOTAL-ASSETS>                                 483,549
<DEPOSITS>                                     293,897
<SHORT-TERM>                                    69,938
<LIABILITIES-OTHER>                              3,558
<LONG-TERM>                                     84,720
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           464
<OTHER-SE>                                      30,972
<TOTAL-LIABILITIES-AND-EQUITY>                 483,549
<INTEREST-LOAN>                                 11,149
<INTEREST-INVEST>                                5,638
<INTEREST-OTHER>                                    28
<INTEREST-TOTAL>                                16,815
<INTEREST-DEPOSIT>                               5,236
<INTEREST-EXPENSE>                               9,673
<INTEREST-INCOME-NET>                            7,142
<LOAN-LOSSES>                                      240
<SECURITIES-GAINS>                                 265
<EXPENSE-OTHER>                                  6,340
<INCOME-PRETAX>                                  2,693
<INCOME-PRE-EXTRAORDINARY>                       2,693
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,680
<EPS-PRIMARY>                                      .45<F1>
<EPS-DILUTED>                                      .43<F2>
<YIELD-ACTUAL>                                    7.53
<LOANS-NON>                                        655
<LOANS-PAST>                                       121
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,433
<CHARGE-OFFS>                                       97
<RECOVERIES>                                       149
<ALLOWANCE-CLOSE>                                1,725
<ALLOWANCE-DOMESTIC>                             1,264
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            461
        
<FN>
<F1> RESTATED TO REFLECT APPLICATION OF FAS 128 AND TWO FOR ONE
     STOCK SPLIT EFFECTIVE DECEMBER 12, 1997
<F2> RESTATED TO REFLECT TWO FOR ONE STOCK SPLIT EFFECTIVE DECEMBER 12, 1997
<1FN>

</TABLE>