<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERAIONS FOUND IN
THE COMPANY'S FORM 10-K FOR THE YEAR 1998 AND ITS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          15,982
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                26,205
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     63,158
<INVESTMENTS-CARRYING>                          29,872
<INVESTMENTS-MARKET>                            30,014
<LOANS>                                        269,316
<ALLOWANCE>                                      8,041
<TOTAL-ASSETS>                                 422,299
<DEPOSITS>                                     364,720
<SHORT-TERM>                                     1,371
<LIABILITIES-OTHER>                              5,568
<LONG-TERM>                                     12,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        25,801
<OTHER-SE>                                      12,839<F1>
<TOTAL-LIABILITIES-AND-EQUITY>                 422,299
<INTEREST-LOAN>                                 27,685
<INTEREST-INVEST>                                4,334
<INTEREST-OTHER>                                 1,040
<INTEREST-TOTAL>                                33,059
<INTEREST-DEPOSIT>                              12,712
<INTEREST-EXPENSE>                              14,179
<INTEREST-INCOME-NET>                           18,880
<LOAN-LOSSES>                                    2,040
<SECURITIES-GAINS>                                 225
<EXPENSE-OTHER>                                 25,313
<INCOME-PRETAX>                                  7,193
<INCOME-PRE-EXTRAORDINARY>                       5,091
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,091
<EPS-PRIMARY>                                     1.57
<EPS-DILUTED>                                     1.47
<YIELD-ACTUAL>                                   4.859
<LOANS-NON>                                      5,556
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,045
<LOANS-PROBLEM>                                  3,136
<ALLOWANCE-OPEN>                                 7,645
<CHARGE-OFFS>                                    2,000
<RECOVERIES>                                       356
<ALLOWANCE-CLOSE>                                8,041
<ALLOWANCE-DOMESTIC>                             2,040
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            644
<FN>
<F1>INCLUDES $239 IN UNREALIZED LOSS ON AFS SECURITIES
</FN>
        

</TABLE>