<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   YEAR                   9-MOS                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1995             DEC-31-1996
<PERIOD-START>                             JAN-01-1996             JAN-01-1996             DEC-31-1995             JAN-01-1996
<PERIOD-END>                               DEC-31-1996             SEP-30-1996             JUN-30-1996             MAR-31-1996
<CASH>                                           4,362                   7,098                   4,082               4,702,550
<INT-BEARING-DEPOSITS>                               0                       0                  62,849                       0
<FED-FUNDS-SOLD>                                   925                       0                   3,670               3,100,000
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                      3,585                   4,566                   4,720               3,678,000
<INVESTMENTS-CARRYING>                           2,108                   2,109                   2,610               3,110,000
<INVESTMENTS-MARKET>                             2,097                   2,078                   2,560                       0
<LOANS>                                         91,659                  82,849                  78,325              75,874,000
<ALLOWANCE>                                        875                     837                     766                 841,000
<TOTAL-ASSETS>                                 105,971                 100,066                  95,625              91,725,000
<DEPOSITS>                                      87,200                  81,142                  77,180              83,259,000
<SHORT-TERM>                                    10,000                  10,210                  10,000                       0
<LIABILITIES-OTHER>                                797                     895                     764                 929,000
<LONG-TERM>                                          0                       0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                           971                     971                     971                 964,759
<OTHER-SE>                                           0                       0                       0                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 105,971                 100,086                  95,625               7,537,000
<INTEREST-LOAN>                                  7,654                   5,569                   3,660               1,805,000
<INTEREST-INVEST>                                  371                     277                     176                  93,000
<INTEREST-OTHER>                                    89                      65                      61                  39,000
<INTEREST-TOTAL>                                 8,144                   5,911                   3,896               1,937,000
<INTEREST-DEPOSIT>                               3,166                   2,341                   1,610                 839,000
<INTEREST-EXPENSE>                               3,446                   2,504                   1,641                 839,000
<INTEREST-INCOME-NET>                            4,667                   3,406                   2,225               1,098,000
<LOAN-LOSSES>                                      387                     297                     218                  90,000
<SECURITIES-GAINS>                                   0                       0                      29                  16,000
<EXPENSE-OTHER>                                  3,909                   2,808                   1,841                 871,000
<INCOME-PRETAX>                                    859                     644                     408                 238,000
<INCOME-PRE-EXTRAORDINARY>                         859                       0                       0                 238,000
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                       541                     416                     261                 159,000
<EPS-PRIMARY>                                     0.52                     .43                     .27                    0.16
<EPS-DILUTED>                                     0.52                     .43                     .27                    0.16
<YIELD-ACTUAL>                                    9.09                    9.08                    8.59                    4.18
<LOANS-NON>                                        735                     773                     530                 359,000
<LOANS-PAST>                                       252                      51                      29                 292,000
<LOANS-TROUBLED>                                   277                       0                       0                       0
<LOANS-PROBLEM>                                  1,037                   1,507                     720                       0
<ALLOWANCE-OPEN>                                   750                     750                     841                 750,000
<CHARGE-OFFS>                                      334                     283                     204                       0
<RECOVERIES>                                        72                      72                       2                       0
<ALLOWANCE-CLOSE>                                  875                     837                     766                 841,000
<ALLOWANCE-DOMESTIC>                               875                     837                     766                 841,000
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0                 778,000
        

</TABLE>