<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM [identify
specific financial statements here] THE CONSOLIDATED BALANCE SHEET AND
CONSOLIDATED STATEMENT OF OPERATIONS FOUND ON PAGES 2 AND 3 OF THE COMPANY'S
FORM 10-Q FOR THE YEAR-TO-DATE, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1996             JAN-01-1996             JAN-01-1996             JAN-01-1996
<PERIOD-END>                               MAR-31-1996             JUN-30-1996             SEP-30-1996             DEC-31-1996
<CASH>                                       2,457,000               2,852,100               3,028,300               9,820,100
<INT-BEARING-DEPOSITS>                          99,000                  99,000                       0                       0
<FED-FUNDS-SOLD>                             9,000,000               6,300,000               4,800,000                       0
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0                       0                 299,800
<INVESTMENTS-CARRYING>                         486,000                 790,300               2,795,300               2,500,200
<INVESTMENTS-MARKET>                           486,000                 788,900               2,778,000               2,499,500
<LOANS>                                     22,596,100              25,339,400              25,875,200              25,309,500
<ALLOWANCE>                                    226,200                 256,200                 262,500                 253,500
<TOTAL-ASSETS>                              37,286,400              37,904,600              39,153,700              40,799,100
<DEPOSITS>                                  34,481,000              32,456,900              33,560,600              36,167,100
<SHORT-TERM>                                 1,000,000               1,000,000               2,000,000                       0
<LIABILITIES-OTHER>                            437,400                 482,500                 468,600                 733,800
<LONG-TERM>                                  1,000,000               1,000,000                       0               1,000,000
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                     2,779,600               2,779,600               2,779,600               2,779,600
<OTHER-SE>                                      25,800                 185,600                 344,900                 118,600
<TOTAL-LIABILITIES-AND-EQUITY>              37,286,400              37,904,600              39,153,700              40,799,100
<INTEREST-LOAN>                                613,200               1,298,000               2,105,500               2,676,800
<INTEREST-INVEST>                              101,300                 204,700                 312,900                 463,600
<INTEREST-OTHER>                                     0                       0                       0                       0
<INTEREST-TOTAL>                               714,500               1,503,500               2,328,400               3,140,400
<INTEREST-DEPOSIT>                             305,800                 615,200                 930,500               1,250,900
<INTEREST-EXPENSE>                             328,600                 660,800                 999,100               1,333,600
<INTEREST-INCOME-NET>                          385,900                 842,700               1,329,300               1,806,800
<LOAN-LOSSES>                                        0                  25,000                  45,000                  52,500
<SECURITIES-GAINS>                               5,700                   5,700                   5,700                   5,700
<EXPENSE-OTHER>                                580,400               1,153,300               1,662,900               2,444,200
<INCOME-PRETAX>                                 37,100                 221,400                 407,200                 293,400
<INCOME-PRE-EXTRAORDINARY>                      37,100                 221,400                 407,200                 293,400
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                    26,200                 184,000                 343,300                 213,400
<EPS-PRIMARY>                                     .030                    .209                    .390                    .243
<EPS-DILUTED>                                     .026                    .180                    .336                    .209
<YIELD-ACTUAL>                                    9.15                    9.88                    9.63                    9.63
<LOANS-NON>                                     74,500                  81,800                 110,700                  58,000
<LOANS-PAST>                                   199,200                       0                 262,100                 223,000
<LOANS-TROUBLED>                                     0                       0                       0                  31,800
<LOANS-PROBLEM>                                246,000                 262,400                 442,600                 486,200
<ALLOWANCE-OPEN>                               224,800                 224,800                 224,800                 224,800
<CHARGE-OFFS>                                        0                   5,400                  19,900                  44,500
<RECOVERIES>                                     1,400                  11,800                  12,600                  20,700
<ALLOWANCE-CLOSE>                              226,200                 256,200                 262,500                 253,500
<ALLOWANCE-DOMESTIC>                            56,400                  39,300                  39,500                  39,200
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                        169,800                 216,900                 223,000                 214,300


</TABLE>