<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS RESTATED SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
ANNUAL REPORT ON FORM 10-K FOR THE YEAR ENDED DECEMBER 31, 1996 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-K.
</LEGEND>
<RESTATED>
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<EXCHANGE-RATE>                                  1,000
<CASH>                                           9,556
<INT-BEARING-DEPOSITS>                             152
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     91,561
<INVESTMENTS-CARRYING>                          63,670
<INVESTMENTS-MARKET>                            62,456
<LOANS>                                        301,843
<ALLOWANCE>                                      1,811
<TOTAL-ASSETS>                                 486,958
<DEPOSITS>                                     300,445
<SHORT-TERM>                                    63,171
<LIABILITIES-OTHER>                              5,443
<LONG-TERM>                                     84,353
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           466
<OTHER-SE>                                      33,080
<TOTAL-LIABILITIES-AND-EQUITY>                 486,958
<INTEREST-LOAN>                                 22,978
<INTEREST-INVEST>                               11,313
<INTEREST-OTHER>                                    41
<INTEREST-TOTAL>                                34,332
<INTEREST-DEPOSIT>                              10,742
<INTEREST-EXPENSE>                              19,517
<INTEREST-INCOME-NET>                           14,815
<LOAN-LOSSES>                                      480
<SECURITIES-GAINS>                                 495
<EXPENSE-OTHER>                                 12,840
<INCOME-PRETAX>                                  5,672
<INCOME-PRE-EXTRAORDINARY>                       5,672
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,533
<EPS-PRIMARY>                                      .94<F1>
<EPS-DILUTED>                                      .89<F2>
<YIELD-ACTUAL>                                    7.55
<LOANS-NON>                                      1,028
<LOANS-PAST>                                       144
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,433
<CHARGE-OFFS>                                      295
<RECOVERIES>                                       193
<ALLOWANCE-CLOSE>                                1,811
<ALLOWANCE-DOMESTIC>                             1,429
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            382
<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 31, 1997
</FN>
        

</TABLE>