<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the December
31, 1998 consolidated financial statements and management's discussion and
analysis of financial condition and results of operations contained in the Form
10-K and is qualified in its entirety by reference to such financial statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           5,191
<INT-BEARING-DEPOSITS>                             444
<FED-FUNDS-SOLD>                                   103
<TRADING-ASSETS>                                   355
<INVESTMENTS-HELD-FOR-SALE>                      9,724
<INVESTMENTS-CARRYING>                           1,068
<INVESTMENTS-MARKET>                             1,073
<LOANS>                                         69,396
<ALLOWANCE>                                      1,552
<TOTAL-ASSETS>                                 104,382
<DEPOSITS>                                      69,678
<SHORT-TERM>                                    13,287
<LIABILITIES-OTHER>                              3,188
<LONG-TERM>                                      8,820
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        691
<COMMON>                                         3,290
<OTHER-SE>                                       5,428
<TOTAL-LIABILITIES-AND-EQUITY>                 104,382
<INTEREST-LOAN>                                  5,878
<INTEREST-INVEST>                                  673
<INTEREST-OTHER>                                   214
<INTEREST-TOTAL>                                 6,765
<INTEREST-DEPOSIT>                               1,835
<INTEREST-EXPENSE>                               2,896
<INTEREST-INCOME-NET>                            3,869
<LOAN-LOSSES>                                      470
<SECURITIES-GAINS>                                  74
<EXPENSE-OTHER>                                  4,129
<INCOME-PRETAX>                                  2,507
<INCOME-PRE-EXTRAORDINARY>                       2,507
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,532
<EPS-PRIMARY>                                     2.61
<EPS-DILUTED>                                     2.52
<YIELD-ACTUAL>                                    4.63
<LOANS-NON>                                        265
<LOANS-PAST>                                       234
<LOANS-TROUBLED>                                     1
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,432
<CHARGE-OFFS>                                      609
<RECOVERIES>                                       139
<ALLOWANCE-CLOSE>                                1,552
<ALLOWANCE-DOMESTIC>                             1,552
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            203
        

</TABLE>