<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               SEP-30-1998             SEP-30-1997
<CASH>                                          15,891                  20,352
<INT-BEARING-DEPOSITS>                         255,888                 195,997
<FED-FUNDS-SOLD>                                76,950                   7,400
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     31,133                  31,133
<INVESTMENTS-CARRYING>                          26,461                  30,107
<INVESTMENTS-MARKET>                            27,377                  30,467
<LOANS>                                        219,635                 220,269
<ALLOWANCE>                                      4,375                   4,638
<TOTAL-ASSETS>                                 374,844                 313,900
<DEPOSITS>                                     328,254                 273,377
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              5,071                   3,352
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        33,600                  31,278
<OTHER-SE>                                       7,919                   5,893
<TOTAL-LIABILITIES-AND-EQUITY>                 374,844                 313,900
<INTEREST-LOAN>                                 16,993                  15,612
<INTEREST-INVEST>                                4,323                   3,488
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                21,316                  19,100
<INTEREST-DEPOSIT>                               6,301                   5,328
<INTEREST-EXPENSE>                               6,301                   5,367
<INTEREST-INCOME-NET>                           15,015                  13,733
<LOAN-LOSSES>                                      113                      75
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  9,355                   8,852
<INCOME-PRETAX>                                  7,100                   5,495
<INCOME-PRE-EXTRAORDINARY>                       7,100                   5,495
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,225                   3,425
<EPS-PRIMARY>                                      .92                     .74
<EPS-DILUTED>                                      .87                     .70
<YIELD-ACTUAL>                                    6.36                    6.72
<LOANS-NON>                                        494                   3,465
<LOANS-PAST>                                       719                     192
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,351                   4,969
<CHARGE-OFFS>                                      744                     732
<RECOVERIES>                                       655                     326
<ALLOWANCE-CLOSE>                                4,375                   4,638
<ALLOWANCE-DOMESTIC>                             4,375                   4,638
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,687                   1,790
        

</TABLE>