<TABLE> <S> <C>

<ARTICLE> 9
<RESTATED>

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997
<PERIOD-END>                               SEP-30-1997             JUN-30-1997             MAR-31-1997
<CASH>                                      11,951,115              15,377,100              15,364,874
<INT-BEARING-DEPOSITS>                         106,688                 106,688                 149,598
<FED-FUNDS-SOLD>                             1,000,000               6,500,000               8,500,000
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                 39,461,881              39,474,364              36,453,096
<INVESTMENTS-CARRYING>                      20,816,211              21,839,269              19,395,691
<INVESTMENTS-MARKET>                        20,941,657              21,880,356              19,271,324
<LOANS>                                    213,121,867             206,279,861             199,856,122
<ALLOWANCE>                                  3,609,073               3,437,489               3,323,262
<TOTAL-ASSETS>                             296,816,402             300,456,068             290,801,956
<DEPOSITS>                                 267,565,028             271,850,769             266,513,822
<SHORT-TERM>                                 1,319,690               1,725,211               1,697,941
<LIABILITIES-OTHER>                          1,284,184               1,019,740               1,386,333
<LONG-TERM>                                    975,000               1,000,000               1,025,000
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                        32,226                  32,082                  27,975
<OTHER-SE>                                  25,640,274              24,828,266              20,150,885
<TOTAL-LIABILITIES-AND-EQUITY>             296,816,402             300,456,068             290,801,956
<INTEREST-LOAN>                             14,105,859               9,132,947               4,509,123
<INTEREST-INVEST>                            2,655,885               1,746,044                 881,092
<INTEREST-OTHER>                               497,129                 366,462                 163,934
<INTEREST-TOTAL>                            17,258,873              11,245,453               5,554,149
<INTEREST-DEPOSIT>                           7,661,261               5,051,211               2,503,775
<INTEREST-EXPENSE>                           7,770,223               5,125,202               2,540,708
<INTEREST-INCOME-NET>                        9,488,650               6,120,251               3,013,441
<LOAN-LOSSES>                                  450,000                 300,000                 150,000
<SECURITIES-GAINS>                             312,865                 229,500                 106,251
<EXPENSE-OTHER>                              6,843,404               4,468,272               2,245,764
<INCOME-PRETAX>                              3,443,459               2,228,659               1,054,965
<INCOME-PRE-EXTRAORDINARY>                   3,443,459               2,228,659               1,054,965
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                 2,062,956               1,334,541                 634,165
<EPS-PRIMARY>                                     0.70                    0.47                    0.23
<EPS-DILUTED>                                     0.70                    0.47                    0.23
<YIELD-ACTUAL>                                    4.62                    4.49                    4.38
<LOANS-NON>                                  4,719,252               4,970,325               5,205,321
<LOANS-PAST>                                   706,929                 279,942                 835,942
<LOANS-TROUBLED>                                     0                       0                       0
<LOANS-PROBLEM>                                200,000                 300,000                 500,000
<ALLOWANCE-OPEN>                             3,354,311               3,354,311               3,354,311
<CHARGE-OFFS>                                  242,850                 235,125                 189,118
<RECOVERIES>                                    47,612                  18,303                   8,069
<ALLOWANCE-CLOSE>                            3,609,073               3,437,489               3,323,262
<ALLOWANCE-DOMESTIC>                         3,609,073               3,437,489               3,323,262
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0


</TABLE>