<TABLE> <S> <C>

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

<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   9-MOS                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1995             JAN-01-1995             JAN-01-1995             JAN-01-1995
<PERIOD-END>                               DEC-31-1996             SEP-30-1996             JUN-30-1996             MAR-31-1996
<CASH>                                           8,902                  13,013                   3,755                   3,233
<INT-BEARING-DEPOSITS>                               0                       0                       0                       0
<FED-FUNDS-SOLD>                                19,001                  14,653                  14,361                   5,040
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0                       0                       0
<INVESTMENTS-CARRYING>                               0                       0                       0                       0
<INVESTMENTS-MARKET>                                 0                       0                       0                       0
<LOANS>                                        215,329                 154,077                 131,963                 164,419
<ALLOWANCE>                                     12,829                   8,540                   5,303                   6,745
<TOTAL-ASSETS>                                 286,616                 208,209                 185,784                 215,223
<DEPOSITS>                                        1000                    1000                    1000                    1000
<SHORT-TERM>                                    54,163                  53,385                  54,318                  93,813
<LIABILITIES-OTHER>                             92,735                  67,810                  20,254                  45,236
<LONG-TERM>                                          0                       0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                           192                     160                       0                       0
<OTHER-SE>                                     138,526                  85,854                  60,028                  75,173
<TOTAL-LIABILITIES-AND-EQUITY>                 286,616                 208,209                 185,784                 215,223
<INTEREST-LOAN>                                 29,028                  19,583                  12,119                   5,356
<INTEREST-INVEST>                                  867                     644                     439                     318
<INTEREST-OTHER>                                   299                     120                      64                      29
<INTEREST-TOTAL>                                30,194                  20,347                  12,619                   5,703
<INTEREST-DEPOSIT>                                  48                      36                      24                      12
<INTEREST-EXPENSE>                               4,106                   2,823                   1,858                   1,097
<INTEREST-INCOME-NET>                           26,088                  17,524                  10,761                   4,606
<LOAN-LOSSES>                                   18,477                  10,556                   5,173                   4,690
<SECURITIES-GAINS>                                   0                       0                       0                       0
<EXPENSE-OTHER>                                101,287                  68,398                  44,422                  19,013
<INCOME-PRETAX>                                 32,546                  23,896                  14,462                   6,269
<INCOME-PRE-EXTRAORDINARY>                      20,016                  14,696                   8,894                   3,855
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                    20,016                  14,696                   8,894                   3,855
<EPS-PRIMARY>                                     1.21                    0.92                    0.56                    0.24
<EPS-DILUTED>                                     17.6                    17.8                    17.6                    16.6
<YIELD-ACTUAL>                                       0                       0                       0                       0
<LOANS-NON>                                      4,911                   2,799                   1,699                   2,440
<LOANS-PAST>                                         0                       0                       0                       0
<LOANS-TROUBLED>                                     0                       0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0                       0
<ALLOWANCE-OPEN>                                 3,679                   3,679                   3,679                   3,679
<CHARGE-OFFS>                                    9,514                   5,816                   3,629                   1,660
<RECOVERIES>                                       187                     121                      80                      36
<ALLOWANCE-CLOSE>                               12,829                   8,540                   5,303                   6,745
<ALLOWANCE-DOMESTIC>                            12,829                   8,540                   5,303                   6,745
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0                       0


</TABLE>