<TABLE> <S> <C>

<PAGE>
 
<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1995
<PERIOD-START>                             JAN-01-1996             JAN-01-1995
<PERIOD-END>                               SEP-30-1996             SEP-30-1995
<CASH>                                       3,158,928               2,043,031
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                               320,000               3,900,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                  6,817,012               9,660,608
<INVESTMENTS-CARRYING>                      10,936,958               9,577,347
<INVESTMENTS-MARKET>                        10,939,864               9,624,619
<LOANS>                                     37,498,406              32,299,026
<ALLOWANCE>                                  1,368,504               1,187,717
<TOTAL-ASSETS>                              60,429,780              59,598,799
<DEPOSITS>                                   53,757,69              54,037,507
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                            347,018                 337,550
<LONG-TERM>                                          0               1,500,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                     6,979,990               4,480,030
<OTHER-SE>                                   (654,897)               (756,288)
<TOTAL-LIABILITIES-AND-EQUITY>              60,429,780              59,598,799
<INTEREST-LOAN>                              2,409,213               2,524,652
<INTEREST-INVEST>                              857,205                 765,854
<INTEREST-OTHER>                               122,823                 112,771
<INTEREST-TOTAL>                             3,389,241               3,403,277
<INTEREST-DEPOSIT>                           1,265,550               1,344,173
<INTEREST-EXPENSE>                           1,365,796               1,468,952
<INTEREST-INCOME-NET>                        2,023,445               1,934,325
<LOAN-LOSSES>                                (100,000)                       0
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              1,586,608               1,723,495
<INCOME-PRETAX>                                875,612                 587,547
<INCOME-PRE-EXTRAORDINARY>                     875,612                 587,547
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   875,612                 587,547
<EPS-PRIMARY>                                     1.69                    1.31
<EPS-DILUTED>                                        0                    1.02
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                    339,000                 668,000
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                               657,000                 588,000
<LOANS-PROBLEM>                                      0                 263,000
<ALLOWANCE-OPEN>                             1,220,157               1,281,947
<CHARGE-OFFS>                                   22,535                 400,300
<RECOVERIES>                                   270,882                 306,070
<ALLOWANCE-CLOSE>                            1,368,504               1,187,717
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                      1,368,504               1,187,717
        

</TABLE>