<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 
DECEMBER 31, 1998 10-K REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               DEC-31-1998             DEC-31-1997
<CASH>                                           9,571                  12,778
<INT-BEARING-DEPOSITS>                           6,393                     705
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     61,431                  51,944
<INVESTMENTS-CARRYING>                          47,056                  51,676
<INVESTMENTS-MARKET>                            47,717                  52,182
<LOANS>                                        404,092                 373,269
<ALLOWANCE>                                      3,815                   3,285
<TOTAL-ASSETS>                                 547,420                 509,778
<DEPOSITS>                                     443,239                 417,011
<SHORT-TERM>                                    61,591                  50,164
<LIABILITIES-OTHER>                              4,248                   3,574
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                      49
<COMMON>                                         2,410                   2,389
<OTHER-SE>                                      35,932                  36,591
<TOTAL-LIABILITIES-AND-EQUITY>                 547,420                 509,778
<INTEREST-LOAN>                                 32,401                  30,579
<INTEREST-INVEST>                                6,421                   6,606
<INTEREST-OTHER>                                   582                     337
<INTEREST-TOTAL>                                39,404                  37,522
<INTEREST-DEPOSIT>                              16,152                  15,457
<INTEREST-EXPENSE>                              19,219                  17,217
<INTEREST-INCOME-NET>                           20,185                  20,305
<LOAN-LOSSES>                                    1,470                   1,520
<SECURITIES-GAINS>                                 223                      99
<EXPENSE-OTHER>                                 14,879                  14,121
<INCOME-PRETAX>                                  7,553                   7,891
<INCOME-PRE-EXTRAORDINARY>                       7,553                   7,891
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,842                   4,897
<EPS-PRIMARY>                                     1.96                    1.89
<EPS-DILUTED>                                     1.92                    1.85
<YIELD-ACTUAL>                                    4.01                    4.37
<LOANS-NON>                                      5,255                   5,902
<LOANS-PAST>                                       783                     272
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 3,285                   3,389
<CHARGE-OFFS>                                    1,061                   1,808
<RECOVERIES>                                       121                     184
<ALLOWANCE-CLOSE>                                3,815                   3,285
<ALLOWANCE-DOMESTIC>                             3,815                   3,285
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>