<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMMUNITY INDEPENDENT BANK, INC. CONSOLIDATED BALANCE SHEET AS OF DECEMBER 31,
1998 AND THE RELATED CONSOLIDATED STATEMENT OF INCOME FOR THE YEAR ENDED
DECEMBER 31, 1998 AND OTHER FINANCIALS DATA INCLUDED WITHIN MANAGEMENT'S
DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
AS OF AND FOR THE YEAR ENDED DECEMBER 31, 1998 AND IS QUALIFIED IN ITS 
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                       2,998,485
<INT-BEARING-DEPOSITS>                          25,707
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 12,876,464
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     79,322,201
<ALLOWANCE>                                    719,788
<TOTAL-ASSETS>                             101,721,835
<DEPOSITS>                                  85,442,793
<SHORT-TERM>                                 3,423,300
<LIABILITIES-OTHER>                            496,270
<LONG-TERM>                                  5,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     3,483,870
<OTHER-SE>                                   3,875,602
<TOTAL-LIABILITIES-AND-EQUITY>             101,721,835
<INTEREST-LOAN>                              6,524,913
<INTEREST-INVEST>                              615,360
<INTEREST-OTHER>                                50,057
<INTEREST-TOTAL>                             7,190,330
<INTEREST-DEPOSIT>                           3,140,848
<INTEREST-EXPENSE>                           3,595,689
<INTEREST-INCOME-NET>                        3,594,641
<LOAN-LOSSES>                                  240,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,276,060
<INCOME-PRETAX>                                763,033
<INCOME-PRE-EXTRAORDINARY>                     763,033
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   543,753
<EPS-PRIMARY>                                      .78
<EPS-DILUTED>                                      .78
<YIELD-ACTUAL>                                    3.72
<LOANS-NON>                                     93,000
<LOANS-PAST>                                   202,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,334,000
<ALLOWANCE-OPEN>                               540,158
<CHARGE-OFFS>                                   68,129
<RECOVERIES>                                     7,759
<ALLOWANCE-CLOSE>                              719,788
<ALLOWANCE-DOMESTIC>                           719,788
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>