<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 1997 ANNUAL
REPORT TO SHAREHOLDERS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996
<PERIOD-START>                             JAN-01-1997             JAN-01-1996
<PERIOD-END>                               DEC-31-1997             DEC-31-1996
<CASH>                                          10,882                   5,643
<INT-BEARING-DEPOSITS>                              62                     224
<FED-FUNDS-SOLD>                                 6,450                  13,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     14,836                  12,811
<INVESTMENTS-CARRYING>                           7,435                   3,063
<INVESTMENTS-MARKET>                             7,429                   3,056
<LOANS>                                        135,398                 114,627
<ALLOWANCE>                                      3,100                   3,000
<TOTAL-ASSETS>                                 218,851                 161,642
<DEPOSITS>                                     172,321                 144,316
<SHORT-TERM>                                     1,085                   1,061
<LIABILITIES-OTHER>                              3,297                   2,049
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                           787                     577
<OTHER-SE>                                      41,361                  13,639
<TOTAL-LIABILITIES-AND-EQUITY>                 218,851                 161,642
<INTEREST-LOAN>                                 12,753                  12,027
<INTEREST-INVEST>                                1,156                     646
<INTEREST-OTHER>                                   716                     632
<INTEREST-TOTAL>                                14,625                  13,305
<INTEREST-DEPOSIT>                               6,337                   5,714
<INTEREST-EXPENSE>                               6,371                   5,741
<INTEREST-INCOME-NET>                            8,254                   7,564
<LOAN-LOSSES>                                    2,239                   3,487
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 13,801                   8,425
<INCOME-PRETAX>                                  7,324                   5,597
<INCOME-PRE-EXTRAORDINARY>                       7,324                   5,597
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,429                   3,244
<EPS-PRIMARY>                                     0.70                    0.56
<EPS-DILUTED>                                     0.67                    0.56
<YIELD-ACTUAL>                                    5.34                    5.48
<LOANS-NON>                                      2,364                   2,252
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 3,000                   2,000
<CHARGE-OFFS>                                    2,245                   2,527
<RECOVERIES>                                       106                      40
<ALLOWANCE-CLOSE>                                3,100                   3,000
<ALLOWANCE-DOMESTIC>                             2,636                   2,455
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            464                     545




</TABLE>