<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE AUDITED
CONSOLIDATED FINANCIAL STATEMENTS OF SFC AS OF AND FOR THE YEAR ENDED DECEMBER
31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          25,046
<INT-BEARING-DEPOSITS>                             789
<FED-FUNDS-SOLD>                                29,670
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    165,076
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        397,376
<ALLOWANCE>                                      5,412
<TOTAL-ASSETS>                                 631,945
<DEPOSITS>                                     582,385
<SHORT-TERM>                                        44
<LIABILITIES-OTHER>                              3,452
<LONG-TERM>                                        767
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        34,702
<OTHER-SE>                                      10,595
<TOTAL-LIABILITIES-AND-EQUITY>                 631,945
<INTEREST-LOAN>                                 36,230
<INTEREST-INVEST>                                8,605
<INTEREST-OTHER>                                 1,436
<INTEREST-TOTAL>                                46,271
<INTEREST-DEPOSIT>                              13,387
<INTEREST-EXPENSE>                              13,432
<INTEREST-INCOME-NET>                           32,839
<LOAN-LOSSES>                                    7,230
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 24,014
<INCOME-PRETAX>                                  7,219
<INCOME-PRE-EXTRAORDINARY>                       4,429
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,429
<EPS-BASIC>                                        .64
<EPS-DILUTED>                                      .63
<YIELD-ACTUAL>                                    6.03
<LOANS-NON>                                      2,759
<LOANS-PAST>                                     1,562
<LOANS-TROUBLED>                                 1,351
<LOANS-PROBLEM>                                    530
<ALLOWANCE-OPEN>                                 4,767
<CHARGE-OFFS>                                    6,769
<RECOVERIES>                                       184
<ALLOWANCE-CLOSE>                                5,412
<ALLOWANCE-DOMESTIC>                             5,412
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>