<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS OF THE
COMPANY'S FORM 10-K 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-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                           24312
<INT-BEARING-DEPOSITS>                             417
<FED-FUNDS-SOLD>                                  9969
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      37436
<INVESTMENTS-CARRYING>                            6528
<INVESTMENTS-MARKET>                              6528
<LOANS>                                         368224<F1>
<ALLOWANCE>                                       5037
<TOTAL-ASSETS>                                  557910
<DEPOSITS>                                      458393
<SHORT-TERM>                                     47871
<LIABILITIES-OTHER>                               8061
<LONG-TERM>                                      12000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                       5750
<COMMON>                                         18728
<OTHER-SE>                                         140
<TOTAL-LIABILITIES-AND-EQUITY>                  557910
<INTEREST-LOAN>                                  42469
<INTEREST-INVEST>                                 3187
<INTEREST-OTHER>                                  1718
<INTEREST-TOTAL>                                 47374
<INTEREST-DEPOSIT>                               22730
<INTEREST-EXPENSE>                               27671
<INTEREST-INCOME-NET>                            19703
<LOAN-LOSSES>                                     1590
<SECURITIES-GAINS>                                 386
<EXPENSE-OTHER>                                  29016
<INCOME-PRETAX>                                   5672
<INCOME-PRE-EXTRAORDINARY>                        3313
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      3313
<EPS-PRIMARY>                                     1.11
<EPS-DILUTED>                                     1.04
<YIELD-ACTUAL>                                    3.63
<LOANS-NON>                                       4201
<LOANS-PAST>                                        92
<LOANS-TROUBLED>                                   651
<LOANS-PROBLEM>                                   2700
<ALLOWANCE-OPEN>                                  5787
<CHARGE-OFFS>                                     2450
<RECOVERIES>                                       110
<ALLOWANCE-CLOSE>                                 5037
<ALLOWANCE-DOMESTIC>                              4996
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             41
<FN>
<F1>EXCLUDES MORTGAGE LOANS HELD FOR SALE
</FN>
        

</TABLE>