<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF ELGIN FINANCIAL CENTER, S.B. AT AND FOR THE YEAR ENDED
DECEMBER 31, 1997 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                           1,965
<INT-BEARING-DEPOSITS>                           8,133
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     65,647
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        247,821
<ALLOWANCE>                                      1,126
<TOTAL-ASSETS>                                 331,863
<DEPOSITS>                                     270,013
<SHORT-TERM>                                     2,000
<LIABILITIES-OTHER>                              5,620
<LONG-TERM>                                     22,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>                 331,863
<INTEREST-LOAN>                                 19,780
<INTEREST-INVEST>                                4,697
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                24,477
<INTEREST-DEPOSIT>                              11,808
<INTEREST-EXPENSE>                              13,249
<INTEREST-INCOME-NET>                           11,228
<LOAN-LOSSES>                                      354
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,599
<INCOME-PRETAX>                                  4,076
<INCOME-PRE-EXTRAORDINARY>                       4,076
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,688
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.68
<LOANS-NON>                                      1,928
<LOANS-PAST>                                     1,952
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   808
<CHARGE-OFFS>                                       36
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,126
<ALLOWANCE-DOMESTIC>                             1,126
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            154


</TABLE>