<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, 1997 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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<EXCHANGE-RATE>                                  1,000
<CASH>                                          10,243
<INT-BEARING-DEPOSITS>                             161
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    105,677
<INVESTMENTS-CARRYING>                          62,659
<INVESTMENTS-MARKET>                            61,511
<LOANS>                                        302,475
<ALLOWANCE>                                    (2,090)
<TOTAL-ASSETS>                                 501,256
<DEPOSITS>                                     310,624
<SHORT-TERM>                                    39,983
<LIABILITIES-OTHER>                              4,574
<LONG-TERM>                                    111,395
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           466
<OTHER-SE>                                      34,214
<TOTAL-LIABILITIES-AND-EQUITY>                 501,256
<INTEREST-LOAN>                                 12,171
<INTEREST-INVEST>                                5,651
<INTEREST-OTHER>                                    23
<INTEREST-TOTAL>                                17,845
<INTEREST-DEPOSIT>                               5,394
<INTEREST-EXPENSE>                               9,771
<INTEREST-INCOME-NET>                            8,074
<LOAN-LOSSES>                                      315
<SECURITIES-GAINS>                                 218
<EXPENSE-OTHER>                                  6,577
<INCOME-PRETAX>                                  3,520
<INCOME-PRE-EXTRAORDINARY>                       3,520
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,148
<EPS-PRIMARY>                                      .57<F1>
<EPS-DILUTED>                                      .54<F2>
<YIELD-ACTUAL>                                    7.65
<LOANS-NON>                                        866
<LOANS-PAST>                                       120
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,811
<CHARGE-OFFS>                                      133
<RECOVERIES>                                        97
<ALLOWANCE-CLOSE>                                2,090
<ALLOWANCE-DOMESTIC>                             1,550
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            540
        
<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>