<TABLE> <S> <C>

<ARTICLE> 9
<RESTATED>

<S>                             <C>                 <C>                 <C>                 <C>                 <C>
<PERIOD-TYPE>                   12-MOS              9-MOS               6-MOS               3-MOS               12-MOS
<FISCAL-YEAR-END>               DEC-31-1996         DEC-31-1996         DEC-31-1996         DEC-31-1996         DEC-31-1995
<PERIOD-END>                    DEC-31-1996         SEP-30-1996         JUN-30-1996         MAR-31-1996         DEC-31-1995
<CASH>                            10,979,126          15,995,402           8,101,808           7,242,998           9,039,970
<INT-BEARING-DEPOSITS>               149,598                   0                   0                   0                   0
<FED-FUNDS-SOLD>                  13,000,000          16,300,000          13,000,000          17,000,000           9,500,000
<TRADING-ASSETS>                           0                   0                   0                   0                   0
<INVESTMENTS-HELD-FOR-SALE>       37,255,163          35,156,293          28,159,522          28,715,110          36,730,660
<INVESTMENTS-CARRYING>            19,586,678          17,450,671          18,839,576          19,269,613          21,835,682
<INVESTMENTS-MARKET>              19,544,811          17,292,034          18,351,709          18,716,711          21,973,518
<LOANS>                          198,986,212         198,594,353         157,517,134         154,314,258         151,087,366
<ALLOWANCE>                        3,354,311           3,540,053           2,706,318           2,651,500           2,497,774
<TOTAL-ASSETS>                   291,342,475         294,110,971         231,945,900         231,431,198         233,421,654
<DEPOSITS>                       267,791,009         271,510,548         210,980,336         210,600,012         214,220,689
<SHORT-TERM>                       1,200,000           1,416,441           1,558,299           1,392,782             741,773
<LIABILITIES-OTHER>                1,461,515           1,079,961           1,073,667           1,268,231             632,467
<LONG-TERM>                        1,042,626           1,075,000                   0                   0                   0
<PREFERRED-MANDATORY>                      0                   0                   0                   0                   0
<PREFERRED>                                0                   0                   0                   0                   0
<COMMON>                              27,891              27,703              27,627              27,549              26,172
<OTHER-SE>                        19,819,434          19,001,318          18,305,971          18,142,624          17,800,553
<TOTAL-LIABILITIES-AND-EQUITY>   291,342,475         294,110,971         231,945,900         231,431,198         233,421,654
<INTEREST-LOAN>                   15,626,903          11,113,571           6,975,018           3,466,793          12,741,564
<INTEREST-INVEST>                  3,077,522           2,168,643           1,531,425             821,134           3,198,426
<INTEREST-OTHER>                     790,506             568,837             366,030             161,537             601,210
<INTEREST-TOTAL>                  19,494,931          13,851,051           8,872,473           4,449,464          16,541,200
<INTEREST-DEPOSIT>                 8,992,244           6,478,735           4,227,961           2,142,373           7,700,901
<INTEREST-EXPENSE>                 9,078,071           6,525,547           4,251,713           2,155,516           7,764,273
<INTEREST-INCOME-NET>             10,416,860           7,325,504           4,620,760           2,293,948           8,776,927
<LOAN-LOSSES>                        400,000             400,000             300,000             150,000             550,000
<SECURITIES-GAINS>                   112,631             101,248              92,560              50,795              64,810
<EXPENSE-OTHER>                    7,380,161           5,216,383           3,237,058           1,606,708           6,631,527
<INCOME-PRETAX>                    3,942,196           2,653,790           1,725,218             859,408           2,651,359
<INCOME-PRE-EXTRAORDINARY>         3,942,196           2,653,790           1,725,218             859,408           2,651,359
<EXTRAORDINARY>                            0                   0                   0                   0                   0
<CHANGES>                                  0                   0                   0                   0                   0
<NET-INCOME>                       2,378,195           1,621,390           1,074,554             535,760           1,645,587
<EPS-PRIMARY>                           0.86                0.59                0.39                0.19                0.63
<EPS-DILUTED>                           0.86                0.59                0.39                0.19                0.63
<YIELD-ACTUAL>                          4.44                4.36                4.23                4.21                4.36
<LOANS-NON>                        4,352,147           4,517,556           2,819,305           2,751,460           2,695,113
<LOANS-PAST>                         110,672             283,000              82,094             517,186              23,128
<LOANS-TROUBLED>                           0                   0                   0                   0                   0
<LOANS-PROBLEM>                      500,000             500,000             800,000             800,000                   0
<ALLOWANCE-OPEN>                   2,497,774           2,497,774           2,497,774           2,497,774           2,305,860
<CHARGE-OFFS>                        439,229             222,640             171,641               2,240             396,639
<RECOVERIES>                         439,788             408,942              80,185               5,966              38,553
<ALLOWANCE-CLOSE>                  3,354,311           3,540,052           2,706,318           2,651,500           2,497,774
<ALLOWANCE-DOMESTIC>               3,354,311           3,540,052           2,706,318           2,651,500           2,497,774
<ALLOWANCE-FOREIGN>                        0                   0                   0                   0                   0
<ALLOWANCE-UNALLOCATED>                    0                   0                   0                   0                   0


</TABLE>