<TABLE> <S> <C>

<PAGE>
 
<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-START>                             OCT-01-1998             JAN-01-1998
<PERIOD-END>                               DEC-31-1998             DEC-31-1998
<CASH>                                           13405                   13405
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 44930                   44930
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      31456                   31456
<INVESTMENTS-CARRYING>                           34906                   34906
<INVESTMENTS-MARKET>                             35619                   35619
<LOANS>                                         112958                  112958
<ALLOWANCE>                                       4000                    4000
<TOTAL-ASSETS>                                  273726                  273726
<DEPOSITS>                                      219874                  219874
<SHORT-TERM>                                      1047                    1047
<LIABILITIES-OTHER>                               3734                    3734
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                           795                     795
<OTHER-SE>                                       48276                   48276
<TOTAL-LIABILITIES-AND-EQUITY>                  273726                  273726
<INTEREST-LOAN>                                   3903                   15522
<INTEREST-INVEST>                                  264                    1154
<INTEREST-OTHER>                                   198                    1412
<INTEREST-TOTAL>                                  4365                   18088
<INTEREST-DEPOSIT>                                2157                    7896
<INTEREST-EXPENSE>                                2164                    7924
<INTEREST-INCOME-NET>                             2201                   10164
<LOAN-LOSSES>                                      506                    3071
<SECURITIES-GAINS>                                  33                      33
<EXPENSE-OTHER>                                   5546                   17700
<INCOME-PRETAX>                                   3740                   11505
<INCOME-PRE-EXTRAORDINARY>                        3740                   11505
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                      2304                    7033
<EPS-PRIMARY>                                     0.29                    0.89
<EPS-DILUTED>                                     0.28                    0.86
<YIELD-ACTUAL>                                    3.89                    4.82
<LOANS-NON>                                       3104                    3104
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                  4200                    3100
<CHARGE-OFFS>                                      706                    2324
<RECOVERIES>                                         0                     153
<ALLOWANCE-CLOSE>                                 4000                    4000
<ALLOWANCE-DOMESTIC>                              4000                    4000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            578                     578
        

</TABLE>