<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FINANCIAL
STATEMENTS AT AND FOR THE YEAR ENDED DECEMBER 31, 1998 AND 1997, AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<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>                                           9,963                   6,630
<INT-BEARING-DEPOSITS>                           3,566                   1,391
<FED-FUNDS-SOLD>                                63,000                  59,500
<TRADING-ASSETS>                                 2,139                       0
<INVESTMENTS-HELD-FOR-SALE>                    136,749                 126,994
<INVESTMENTS-CARRYING>                         136,749                 126,994
<INVESTMENTS-MARKET>                           136,749                 126,994
<LOANS>                                        192,569                 246,245
<ALLOWANCE>                                      6,717                   6,303
<TOTAL-ASSETS>                                 498,930                 538,854
<DEPOSITS>                                     349,737                 397,110
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              5,304                   4,978
<LONG-TERM>                                    105,803                  90,803
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        38,086                  45,963
<OTHER-SE>                                           0                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 498,730                 538,851
<INTEREST-LOAN>                                 23,007                  39,234
<INTEREST-INVEST>                               12,644                  13,908
<INTEREST-OTHER>                                 4,497                     866
<INTEREST-TOTAL>                                40,148                  54,008
<INTEREST-DEPOSIT>                              17,520                  18,776
<INTEREST-EXPENSE>                              23,340                  28,327
<INTEREST-INCOME-NET>                           16,808                  25,681
<LOAN-LOSSES>                                    4,727                  26,527
<SECURITIES-GAINS>                                 307                       1
<EXPENSE-OTHER>                                 19,375                  22,739
<INCOME-PRETAX>                                (1,953)                (19,677)
<INCOME-PRE-EXTRAORDINARY>                     (1,953)                (19,677)
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   (1,247)                (12,482)
<EPS-PRIMARY>                                    (.40)                  (3.59)
<EPS-DILUTED>                                    (.40)                  (3.59)
<YIELD-ACTUAL>                                   10.43                   11.38
<LOANS-NON>                                      6,387                   6,195
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 6,303                   7,208
<CHARGE-OFFS>                                    4,819                  24,781
<RECOVERIES>                                       506                   1,699
<ALLOWANCE-CLOSE>                                6,717                   6,303
<ALLOWANCE-DOMESTIC>                             6,717                   6,303
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>