<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED FINANCIAL STATEMENTS FOR THE NINE-MONTH PERIOD ENDING SEPTEMBER 30,
1996, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCETO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                           6,833
<INT-BEARING-DEPOSITS>                             370
<FED-FUNDS-SOLD>                                 2,686
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     74,821
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         89,438
<ALLOWANCE>                                      1,083
<TOTAL-ASSETS>                                 188,137
<DEPOSITS>                                     145,663
<SHORT-TERM>                                    21,801
<LIABILITIES-OTHER>                              1,636
<LONG-TERM>                                        644
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        15,824
<OTHER-SE>                                       1,608
<TOTAL-LIABILITIES-AND-EQUITY>                 188,137
<INTEREST-LOAN>                                  6,382
<INTEREST-INVEST>                                3,183
<INTEREST-OTHER>                                   473
<INTEREST-TOTAL>                                10,038
<INTEREST-DEPOSIT>                               3,256
<INTEREST-EXPENSE>                               4,076
<INTEREST-INCOME-NET>                            5,962
<LOAN-LOSSES>                                      145
<SECURITIES-GAINS>                                  19
<EXPENSE-OTHER>                                  6,199
<INCOME-PRETAX>                                  1,767
<INCOME-PRE-EXTRAORDINARY>                       1,327
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,327
<EPS-PRIMARY>                                     0.58
<EPS-DILUTED>                                     0.58
<YIELD-ACTUAL>                                    5.06
<LOANS-NON>                                        314
<LOANS-PAST>                                        24
<LOANS-TROUBLED>                                   557
<LOANS-PROBLEM>                                      0<F1>
<ALLOWANCE-OPEN>                                 1,063
<CHARGE-OFFS>                                      176
<RECOVERIES>                                        51
<ALLOWANCE-CLOSE>                                1,083
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>THESE ITEMS NOT REQUIRED BY REGULATION SB
</FN>
        

</TABLE>