<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   YEAR                   3-MOS                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1997             DEC-31-1997             DEC-31-1997
<PERIOD-START>                             JAN-01-1996             JAN-01-1997             JAN-01-1997             JAN-01-1997
<PERIOD-END>                               DEC-31-1996             MAR-31-1997             JUN-30-1997             SEP-30-1997
<CASH>                                           5,113                   4,932                   4,325                   6,325
<INT-BEARING-DEPOSITS>                               0                       0                       0                      19
<FED-FUNDS-SOLD>                                23,000                  12,400                  20,300                   8,200
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                      4,235                   5,233                   3,188                  25,212
<INVESTMENTS-CARRYING>                          14,395                  19,379                  19,392                  17,923
<INVESTMENTS-MARKET>                            14,355                  19,094                  19,348                  17,908
<LOANS>                                         62,547                  59,949                  59,560                  56,669
<ALLOWANCE>                                      2,969                   2,646                   2,546                   2,589
<TOTAL-ASSETS>                                 109,416                 102,768                 106,962                 114,817
<DEPOSITS>                                     103,854                  97,163                  93,300                  96,419
<SHORT-TERM>                                         0                     160                      61                   5,057
<LIABILITIES-OTHER>                                717                     773                   1,619                   1,207
<LONG-TERM>                                          0                       0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                   7,350                   7,350
<COMMON>                                        24,614                  24,614                  24,614                  24,612
<OTHER-SE>                                    (19,769)                (19,942)                (19,905)                (19,828)
<TOTAL-LIABILITIES-AND-EQUITY>                 109,416                 102,768                 106,962                 114,817
<INTEREST-LOAN>                                  9,743                   1,473                   2,950                   4,435
<INTEREST-INVEST>                                  990                     372                     741                   1,264
<INTEREST-OTHER>                                 1,024                     170                     320                     540
<INTEREST-TOTAL>                                11,757                   2,015                   4,011                   6,239
<INTEREST-DEPOSIT>                               3,054                     704                   1,351                   2,045
<INTEREST-EXPENSE>                               3,079                     711                   1,365                   2,069
<INTEREST-INCOME-NET>                            5,678                   1,304                   2,646                   4,170
<LOAN-LOSSES>                                        0                       0                       0                       0
<SECURITIES-GAINS>                                 (3)                       0                       0                    (12)
<EXPENSE-OTHER>                                  8,003                   1,557                   3,086                   4,623
<INCOME-PRETAX>                                (1,823)                   (135)                   (212)                   (118)
<INCOME-PRE-EXTRAORDINARY>                           0                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                   (1,244)                   (135)                   (212)                   (118)
<EPS-PRIMARY>                                   (1.84)                  (0.20)                  (0.31)                  (0.17)
<EPS-DILUTED>                                   (1.84)                  (0.20)                  (0.31)                  (0.17)
<YIELD-ACTUAL>                                    5.31                    5.39                    5.59                    5.66
<LOANS-NON>                                        928                     871                   1,271                   1,399
<LOANS-PAST>                                       300                      14                       2                       0
<LOANS-TROUBLED>                                 5,016                   5,004                   5,487                   5,480
<LOANS-PROBLEM>                                    409                       0                       0                       0
<ALLOWANCE-OPEN>                                 3,805                   2,969                   2,969                   2,969
<CHARGE-OFFS>                                    1,300                     449                     650                     695
<RECOVERIES>                                       464                     126                     227                     315
<ALLOWANCE-CLOSE>                                2,969                   2,646                   2,546                   2,589
<ALLOWANCE-DOMESTIC>                             2,091                   1,698                   1,948                   2,349
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                            878                     948                     598                     240
        

</TABLE>