<TABLE> <S> <C>

<PAGE>
 
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS OF THE REGISTRANT FOR THE NINE
MONTHS ENDED SEPTEMBER 30, 1996, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JUL-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          10,588
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                27,950
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     47,268
<INVESTMENTS-CARRYING>                           9,411
<INVESTMENTS-MARKET>                             9,297
<LOANS>                                        170,397
<ALLOWANCE>                                    (4,950)
<TOTAL-ASSETS>                                 271,720
<DEPOSITS>                                     237,930
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,445
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        37,029
<OTHER-SE>                                     (7,684)
<TOTAL-LIABILITIES-AND-EQUITY>                 271,720
<INTEREST-LOAN>                                 12,374
<INTEREST-INVEST>                                2,431
<INTEREST-OTHER>                                 1,163
<INTEREST-TOTAL>                                15,968
<INTEREST-DEPOSIT>                               4,827
<INTEREST-EXPENSE>                               4,827
<INTEREST-INCOME-NET>                           11,141
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                (86)
<EXPENSE-OTHER>                                 13,040
<INCOME-PRETAX>                                  (124)
<INCOME-PRE-EXTRAORDINARY>                       (124)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        22
<EPS-PRIMARY>                                     0.00
<EPS-DILUTED>                                     0.00
<YIELD-ACTUAL>                                    6.12
<LOANS-NON>                                      2,687
<LOANS-PAST>                                       422
<LOANS-TROUBLED>                                 4,047
<LOANS-PROBLEM>                                 10,526
<ALLOWANCE-OPEN>                                 5,401
<CHARGE-OFFS>                                      740
<RECOVERIES>                                       289
<ALLOWANCE-CLOSE>                              (4,950)
<ALLOWANCE-DOMESTIC>                           (4,950)
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>