<TABLE> <S> <C>

<PAGE>
 
<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JUN-01-1996             JAN-01-1996
<PERIOD-END>                               SEP-30-1996             SEP-30-1996
<CASH>                                       5,103,000               5,103,000
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                             4,100,000               4,100,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 30,867,000              30,867,000
<INVESTMENTS-CARRYING>                       1,790,000               1,790,000
<INVESTMENTS-MARKET>                         1,888,000               1,888,000
<LOANS>                                     55,895,000              55,895,000
<ALLOWANCE>                                  1,244,000               1,244,000
<TOTAL-ASSETS>                             106,175,000             106,175,000
<DEPOSITS>                                  91,324,000              91,324,000
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                            729,000                 729,000
<LONG-TERM>                                  2,559,000               2,559,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                     7,314,000               7,314,000
<OTHER-SE>                                   4,249,000               4,249,000
<TOTAL-LIABILITIES-AND-EQUITY>             106,175,000             106,175,000
<INTEREST-LOAN>                              1,463,000               4,194,000
<INTEREST-INVEST>                              530,000               1,601,000
<INTEREST-OTHER>                                49,000                 155,000
<INTEREST-TOTAL>                             2,042,000               5,950,000
<INTEREST-DEPOSIT>                             738,000               2,244,000
<INTEREST-EXPENSE>                             807,000               2,451,000
<INTEREST-INCOME-NET>                        1,235,000               3,499,000
<LOAN-LOSSES>                                  115,000                 300,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              1,256,000               3,436,000
<INCOME-PRETAX>                                180,000                 578,000
<INCOME-PRE-EXTRAORDINARY>                     180,000                 578,000
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   126,000                 416,000
<EPS-PRIMARY>                                      .09                     .31
<EPS-DILUTED>                                      .09                     .30
<YIELD-ACTUAL>                                    5.35                    5.06
<LOANS-NON>                                  1,211,000               1,211,000
<LOANS-PAST>                                    34,000                  34,000
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                             1,168,000                 959,000
<CHARGE-OFFS>                                  108,000                 218,000
<RECOVERIES>                                    69,000                 203,000
<ALLOWANCE-CLOSE>                            1,244,000               1,244,000
<ALLOWANCE-DOMESTIC>                         1,244,000               1,244,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                        637,000                 637,000
        

</TABLE>