<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS
FOUND IN THE COMPANY'S FORM 10K FOR THE YEAR 1996 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                           20261
<INT-BEARING-DEPOSITS>                             315
<FED-FUNDS-SOLD>                                 25212
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      33852
<INVESTMENTS-CARRYING>                           18781
<INVESTMENTS-MARKET>                             19097
<LOANS>                                         376901<F1>
<ALLOWANCE>                                       7040
<TOTAL-ASSETS>                                  499466
<DEPOSITS>                                      436450
<SHORT-TERM>                                     10307
<LIABILITIES-OTHER>                              10977
<LONG-TERM>                                      12000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                       5750
<COMMON>                                         19281
<OTHER-SE>                                        4701<F2>
<TOTAL-LIABILITIES-AND-EQUITY>                  499466
<INTEREST-LOAN>                                  41469
<INTEREST-INVEST>                                 3120
<INTEREST-OTHER>                                  1195
<INTEREST-TOTAL>                                 45784
<INTEREST-DEPOSIT>                               19927
<INTEREST-EXPENSE>                               22643
<INTEREST-INCOME-NET>                            23141
<LOAN-LOSSES>                                     6262
<SECURITIES-GAINS>                                 (3)
<EXPENSE-OTHER>                                  38946
<INCOME-PRETAX>                                 (2497)
<INCOME-PRE-EXTRAORDINARY>                      (2497)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    (1486)
<EPS-PRIMARY>                                    (.71)
<EPS-DILUTED>                                    (.71)
<YIELD-ACTUAL>                                    9.18
<LOANS-NON>                                      8,246
<LOANS-PAST>                                     1,536
<LOANS-TROUBLED>                                   599
<LOANS-PROBLEM>                                   4600
<ALLOWANCE-OPEN>                                  5037
<CHARGE-OFFS>                                     4564
<RECOVERIES>                                       305
<ALLOWANCE-CLOSE>                                 7040
<ALLOWANCE-DOMESTIC>                              6391
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            649
<FN>
<F1>INCLUDES MORTGAGE LOANS HELD FOR SALE OF 29,487
<F2>INCLUDES UNREALIZED LOSS ON SECURITIES AFS OF 331
</FN>
        

</TABLE>