<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               DEC-31-1999             DEC-31-1998
<CASH>                                          29,420                  23,669
<INT-BEARING-DEPOSITS>                           1,487                       0
<FED-FUNDS-SOLD>                                     0                  20,350
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    271,313                 212,020
<INVESTMENTS-CARRYING>                               0                  11,142
<INVESTMENTS-MARKET>                                 0                  11,529
<LOANS>                                        903,126                 548,353
<ALLOWANCE>                                     12,197                   6,344
<TOTAL-ASSETS>                               1,309,426                 871,891
<DEPOSITS>                                     936,075                 645,661
<SHORT-TERM>                                   244,569                 130,521
<LIABILITIES-OTHER>                             16,706                  11,815
<LONG-TERM>                                     32,698                  37,034
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                            71                     490
<OTHER-SE>                                      79,307                  46,370
<TOTAL-LIABILITIES-AND-EQUITY>               1,309,426                 871,891
<INTEREST-LOAN>                                 63,887                  44,929
<INTEREST-INVEST>                               18,344                  12,703
<INTEREST-OTHER>                                    60                       0
<INTEREST-TOTAL>                                82,291                  57,632
<INTEREST-DEPOSIT>                              31,059                  22,319
<INTEREST-EXPENSE>                              41,767                  29,826
<INTEREST-INCOME-NET>                           40,524                  27,806
<LOAN-LOSSES>                                    1,260                     750
<SECURITIES-GAINS>                                   1                     167
<EXPENSE-OTHER>                                 33,560                  27,037
<INCOME-PRETAX>                                 14,766                   9,959
<INCOME-PRE-EXTRAORDINARY>                       9,954                   6,354
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     9,954                   6,354
<EPS-BASIC>                                       1.51                    1.26
<EPS-DILUTED>                                     1.51                    1.25
<YIELD-ACTUAL>                                    7.59                    7.60
<LOANS-NON>                                     10,701                   4,874
<LOANS-PAST>                                         0                      85
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  1,544                   2,263
<ALLOWANCE-OPEN>                                 6,344                   7,922
<CHARGE-OFFS>                                    5,498                   2,090
<RECOVERIES>                                       602                     161
<ALLOWANCE-CLOSE>                               12,197                   6,344
<ALLOWANCE-DOMESTIC>                            12,197                   6,344
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>