<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS RESTATED SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 
FORM 10-Q FOR THE 3 MONTHS ENDED MARCH 31, 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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<EXCHANGE-RATE>                                  1,000
<CASH>                                           9,885
<INT-BEARING-DEPOSITS>                           1,952
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     95,375
<INVESTMENTS-CARRYING>                          62,239
<INVESTMENTS-MARKET>                            60,109
<LOANS>                                        302,082
<ALLOWANCE>                                      1,945
<TOTAL-ASSETS>                                 492,058
<DEPOSITS>                                     305,674
<SHORT-TERM>                                    50,950
<LIABILITIES-OTHER>                              4,713
<LONG-TERM>                                     96,886
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           466
<OTHER-SE>                                      33,369
<TOTAL-LIABILITIES-AND-EQUITY>                 492,058
<INTEREST-LOAN>                                  6,039
<INTEREST-INVEST>                                2,770
<INTEREST-OTHER>                                     8
<INTEREST-TOTAL>                                 8,817
<INTEREST-DEPOSIT>                               2,680
<INTEREST-EXPENSE>                               4,764
<INTEREST-INCOME-NET>                            4,053
<LOAN-LOSSES>                                      158
<SECURITIES-GAINS>                                 110
<EXPENSE-OTHER>                                  3,291
<INCOME-PRETAX>                                  1,741
<INCOME-PRE-EXTRAORDINARY>                       1,741
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,052
<EPS-PRIMARY>                                      .28<F1>
<EPS-DILUTED>                                      .26<F2>
<YIELD-ACTUAL>                                    7.62
<LOANS-NON>                                        795
<LOANS-PAST>                                       272
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,811
<CHARGE-OFFS>                                       72
<RECOVERIES>                                        48
<ALLOWANCE-CLOSE>                                1,945
<ALLOWANCE-DOMESTIC>                             1,462
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            483
        
<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>