<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
DECEMBER 31, 1995 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-31-1994
<PERIOD-END>                               DEC-31-1994
<CASH>                                           4,641
<INT-BEARING-DEPOSITS>                           2,972
<FED-FUNDS-SOLD>                                   957
<TRADING-ASSETS>                                   120
<INVESTMENTS-HELD-FOR-SALE>                     12,250
<INVESTMENTS-CARRYING>                           8,891
<INVESTMENTS-MARKET>                             8,452
<LOANS>                                         46,035
<ALLOWANCE>                                      1,496
<TOTAL-ASSETS>                                  81,026
<DEPOSITS>                                      55,528
<SHORT-TERM>                                    12,586
<LIABILITIES-OTHER>                              1,510
<LONG-TERM>                                      5,931
<PREFERRED-MANDATORY>                              557
<PREFERRED>                                          0
<COMMON>                                         2,856
<OTHER-SE>                                       2,058
<TOTAL-LIABILITIES-AND-EQUITY>                  81,026
<INTEREST-LOAN>                                  3,694
<INTEREST-INVEST>                                1,514
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 5,208
<INTEREST-DEPOSIT>                               1,171
<INTEREST-EXPENSE>                               2,161
<INTEREST-INCOME-NET>                            3,047
<LOAN-LOSSES>                                       65
<SECURITIES-GAINS>                                 (1)
<EXPENSE-OTHER>                                  3,160
<INCOME-PRETAX>                                  1,380
<INCOME-PRE-EXTRAORDINARY>                       1,380
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       849
<EPS-PRIMARY>                                     3.09
<EPS-DILUTED>                                     3.09
<YIELD-ACTUAL>                                    4.30
<LOANS-NON>                                        761
<LOANS-PAST>                                       139
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,669
<CHARGE-OFFS>                                      377
<RECOVERIES>                                       138
<ALLOWANCE-CLOSE>                                1,496
<ALLOWANCE-DOMESTIC>                             1,496
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            378
        

</TABLE>