<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, 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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<EXCHANGE-RATE>                                  1,000
<CASH>                                           8,074
<INT-BEARING-DEPOSITS>                             151
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     94,337
<INVESTMENTS-CARRYING>                          65,281
<INVESTMENTS-MARKET>                            63,497
<LOANS>                                        294,604
<ALLOWANCE>                                      1,745
<TOTAL-ASSETS>                                 484,071
<DEPOSITS>                                     300,039
<SHORT-TERM>                                    65,743
<LIABILITIES-OTHER>                              5,091
<LONG-TERM>                                     80,799
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           464
<OTHER-SE>                                      31,935
<TOTAL-LIABILITIES-AND-EQUITY>                 484,071
<INTEREST-LOAN>                                 16,948
<INTEREST-INVEST>                                8,514
<INTEREST-OTHER>                                    36
<INTEREST-TOTAL>                                25,498
<INTEREST-DEPOSIT>                               7,966
<INTEREST-EXPENSE>                              14,600
<INTEREST-INCOME-NET>                           10,898
<LOAN-LOSSES>                                      360
<SECURITIES-GAINS>                                 362
<EXPENSE-OTHER>                                  9,568
<INCOME-PRETAX>                                  4,163
<INCOME-PRE-EXTRAORDINARY>                       4,163
<EXTRAORDINARY>                                      0
<CHANGES>                                           00
<NET-INCOME>                                     2,600
<EPS-PRIMARY>                                      .69<F1>
<EPS-DILUTED>                                      .66<F2>
<YIELD-ACTUAL>                                    7.53
<LOANS-NON>                                        563
<LOANS-PAST>                                        87
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,433
<CHARGE-OFFS>                                      220
<RECOVERIES>                                       172
<ALLOWANCE-CLOSE>                                1,745
<ALLOWANCE-DOMESTIC>                             1,281
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            464
        
<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>