<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 1997
FIRST QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997             DEC-31-1996
<PERIOD-END>                               MAR-31-1997             JUN-30-1997             SEP-30-1997             DEC-31-1996
<CASH>                                           8,797                   8,851                   7,634                   6,757
<INT-BEARING-DEPOSITS>                             872                   1,018                  14,083                  15,592
<FED-FUNDS-SOLD>                                 6,600                   1,900                   1,800                   1,950
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                    362,557                 438,023                 452,754                 363,829
<INVESTMENTS-CARRYING>                               0                       0                       0                       0
<INVESTMENTS-MARKET>                                 0                       0                       0                       0
<LOANS>                                        232,223                 280,700                 304,365                 232,790
<ALLOWANCE>                                      1,113                   1,199                   1,233                   1,031
<TOTAL-ASSETS>                                 670,342                 749,748                 802,304                 634,048
<DEPOSITS>                                     455,348                 458,727                 456,872                 449,566
<SHORT-TERM>                                    78,023                 134,851                 139,398                  37,525
<LIABILITIES-OTHER>                              7,248                   8,378                  27,657                  10,553
<LONG-TERM>                                     14,000                  34,000                  61,000                  14,000
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                            89                      89                      89                      89
<OTHER-SE>                                     115,634                 113,703                 117,288                 122,315
<TOTAL-LIABILITIES-AND-EQUITY>                 670,342                 749,748                 802,304                 634,048
<INTEREST-LOAN>                                  4,722                  10,084                  16,117                  18,025
<INTEREST-INVEST>                                6,893                  14,737                  22,466                  22,325
<INTEREST-OTHER>                                     0                       0                       0                       0
<INTEREST-TOTAL>                                 5,426                  24,821                  38,583                  40,350
<INTEREST-DEPOSIT>                               4,459                   9,032                  13,742                  16,679
<INTEREST-EXPENSE>                                 967                  12,210                  19,511                  17,545
<INTEREST-INCOME-NET>                            6,189                  12,611                  19,072                  22,805
<LOAN-LOSSES>                                       75                     150                     225                     210
<SECURITIES-GAINS>                                   0                      28                      38                     630
<EXPENSE-OTHER>                                  3,623                   7,228                  10,881                  16,972
<INCOME-PRETAX>                                  2,936                   6,129                   9,582                   9,083
<INCOME-PRE-EXTRAORDINARY>                       2,936                   6,129                   9,582                   9,083
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                     1,857                   3,875                   6,041                   5,602
<EPS-PRIMARY>                                      .26                     .54                     .85                     .71
<EPS-DILUTED>                                      .25                     .53                     .83                     .71
<YIELD-ACTUAL>                                    7.41                    7.49                    7.51                    7.45
<LOANS-NON>                                        814                     905                   1,931                     896
<LOANS-PAST>                                         0                       0                       0                       0
<LOANS-TROUBLED>                                     0                       0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0                       0
<ALLOWANCE-OPEN>                                 1,031                   1,031                   1,031                     822
<CHARGE-OFFS>                                        0                       9                      69                      20
<RECOVERIES>                                         7                      27                      46                      19
<ALLOWANCE-CLOSE>                                1,113                   1,199                   1,233                   1,031
<ALLOWANCE-DOMESTIC>                             1,113                   1,199                   1,233                   1,031
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0                       0


</TABLE>