<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS RESTATED SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 
FORM 10-Q FOR THE NINE MONTHS ENDED SEPTEMBER 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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<EXCHANGE-RATE>                                  1,000
<CASH>                                           9,759
<INT-BEARING-DEPOSITS>                             162
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    100,977
<INVESTMENTS-CARRYING>                          60,166
<INVESTMENTS-MARKET>                            59,762
<LOANS>                                        310,473
<ALLOWANCE>                                    (2,193)
<TOTAL-ASSETS>                                 501,622
<DEPOSITS>                                     315,568
<SHORT-TERM>                                    32,870
<LIABILITIES-OTHER>                              5,440
<LONG-TERM>                                    112,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           468
<OTHER-SE>                                      35,276
<TOTAL-LIABILITIES-AND-EQUITY>                 501,622
<INTEREST-LOAN>                                 18,397
<INTEREST-INVEST>                                8,553
<INTEREST-OTHER>                                    35
<INTEREST-TOTAL>                                26,985
<INTEREST-DEPOSIT>                               8,197
<INTEREST-EXPENSE>                              14,840
<INTEREST-INCOME-NET>                           12,145
<LOAN-LOSSES>                                      473
<SECURITIES-GAINS>                                 326
<EXPENSE-OTHER>                                  9,884
<INCOME-PRETAX>                                  5,338
<INCOME-PRE-EXTRAORDINARY>                       5,338
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,275
<EPS-PRIMARY>                                      .88<F1>
<EPS-DILUTED>                                      .82<F2>
<YIELD-ACTUAL>                                    7.67
<LOANS-NON>                                        617
<LOANS-PAST>                                        36
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,811
<CHARGE-OFFS>                                      243
<RECOVERIES>                                       152
<ALLOWANCE-CLOSE>                                2,193
<ALLOWANCE-DOMESTIC>                             1,505
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            688
        
<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>