<TABLE> <S> <C>

<PAGE>
 
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           2,456
<INT-BEARING-DEPOSITS>                           3,300
<FED-FUNDS-SOLD>                                   624
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      3,657
<INVESTMENTS-CARRYING>                          12,821
<INVESTMENTS-MARKET>                                 0<F1>
<LOANS>                                         73,724
<ALLOWANCE>                                      1,016
<TOTAL-ASSETS>                                 101,125
<DEPOSITS>                                      91,283
<SHORT-TERM>                                     2,000
<LIABILITIES-OTHER>                                321
<LONG-TERM>                                      1,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           393
<OTHER-SE>                                       5,628
<TOTAL-LIABILITIES-AND-EQUITY>                 101,125
<INTEREST-LOAN>                                  4,051
<INTEREST-INVEST>                                  548
<INTEREST-OTHER>                                   205
<INTEREST-TOTAL>                                 4,804
<INTEREST-DEPOSIT>                               1,879
<INTEREST-EXPENSE>                               2,061
<INTEREST-INCOME-NET>                            2,743
<LOAN-LOSSES>                                      (35)
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,085
<INCOME-PRETAX>                                    213
<INCOME-PRE-EXTRAORDINARY>                         213
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       208
<EPS-PRIMARY>                                      .06
<EPS-DILUTED>                                      .06
<YIELD-ACTUAL>                                    4.85
<LOANS-NON>                                        742
<LOANS-PAST>                                       184
<LOANS-TROUBLED>                                   361
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   748
<CHARGE-OFFS>                                      144
<RECOVERIES>                                       226
<ALLOWANCE-CLOSE>                                1,016<F2>
<ALLOWANCE-DOMESTIC>                               251
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            765<F3>
<FN>
<F1>Not broken out in KSB
<F2>Allowance for loan loss at end of period includes an adjustment of interest
recovery posted to the allowance in error, an increase of $220,000 in
connection with the acquisition of loans, and a reduction of $35,000.
<F3>All unallocated is for domestic loans.
</FN>
        

</TABLE>