<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS INCLUDED WITHIN THE COMPANY'S MARCH 31, 1997
FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<RESTATED> 
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                           5,501
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,757
<INVESTMENTS-CARRYING>                          10,512
<INVESTMENTS-MARKET>                            10,699
<LOANS>                                        207,199
<ALLOWANCE>                                      1,959
<TOTAL-ASSETS>                                 241,425
<DEPOSITS>                                     204,693
<SHORT-TERM>                                     2,262
<LIABILITIES-OTHER>                              1,990
<LONG-TERM>                                     15,905
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            10
<OTHER-SE>                                      16,565
<TOTAL-LIABILITIES-AND-EQUITY>                 241,425
<INTEREST-LOAN>                                  4,232
<INTEREST-INVEST>                                  294
<INTEREST-OTHER>                                    46
<INTEREST-TOTAL>                                 4,572
<INTEREST-DEPOSIT>                               2,040
<INTEREST-EXPENSE>                               2,330
<INTEREST-INCOME-NET>                            2,242
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,939
<INCOME-PRETAX>                                    624
<INCOME-PRE-EXTRAORDINARY>                         624
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       402
<EPS-PRIMARY>                                      .28
<EPS-DILUTED>                                      .28
<YIELD-ACTUAL>                                    3.96
<LOANS-NON>                                      2,951
<LOANS-PAST>                                       308
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,500
<ALLOWANCE-OPEN>                                 2,114
<CHARGE-OFFS>                                      270
<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                                1,959
<ALLOWANCE-DOMESTIC>                             1,959
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>