<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-31-1995             DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1995             JAN-01-1996             JAN-01-1996             JAN-01-1996
<PERIOD-END>                               DEC-31-1995             MAR-31-1996             JUN-30-1996             SEP-30-1996
<CASH>                                           9,272                   7,522                   4,614                   6,669
<INT-BEARING-DEPOSITS>                               0                       0                       0                       0
<FED-FUNDS-SOLD>                                21,000                  20,500                  15,700                  13,200
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                     20,417                  19,778                  19,199                  15,832
<INVESTMENTS-CARRYING>                               0                       0                       0                       0
<INVESTMENTS-MARKET>                                 0                       0                       0                       0
<LOANS>                                         82,012                  75,790                  69,278                  64,871
<ALLOWANCE>                                      3,805                   3,837                   3,064                   3,052
<TOTAL-ASSETS>                                 131,992                 122,705                 108,920                 100,301
<DEPOSITS>                                     120,243                 114,238                 100,495                  93,240
<SHORT-TERM>                                     4,497                   1,056                   1,101                     434
<LIABILITIES-OTHER>                              1,241                   1,604                   2,254                   1,674
<LONG-TERM>                                          0                       0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                          0                       0                       0                       0
<COMMON>                                        24,614                  24,614                  24,614                  24,614
<OTHER-SE>                                    (18,603)                (18,807)                (19,544)                (19,661)
<TOTAL-LIABILITIES-AND-EQUITY>                 131,992                 122,705                 108,920                 100,301
<INTEREST-LOAN>                                  9,299                   1,800                   3,530                   5,179
<INTEREST-INVEST>                                1,395                     282                     560                     795
<INTEREST-OTHER>                                   940                     263                     483                     720
<INTEREST-TOTAL>                                11,634                   2,345                   4,573                   6,694
<INTEREST-DEPOSIT>                               3,869                     884                   1,656                   2,368
<INTEREST-EXPENSE>                               3,979                     892                   1,673                   2,391
<INTEREST-INCOME-NET>                            7,655                   1,453                   2,900                   4,303
<LOAN-LOSSES>                                    2,307                       0                       0                       0
<SECURITIES-GAINS>                             (1,233)                     (1)                     (1)                     (1)
<EXPENSE-OTHER>                                 11,233                   1,757                   4,596                   6,305
<INCOME-PRETAX>                                (7,200)                   (136)                 (1,412)                 (1,594)
<INCOME-PRE-EXTRAORDINARY>                           0                       0                       0                       0
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                   (7,200)                   (136)                   (833)                 (1,015)
<EPS-PRIMARY>                                  (10.63)                  (0.20)                  (1.23)                  (1.50)
<EPS-DILUTED>                                  (10.63)                  (0.20)                  (1.23)                  (1.50)
<YIELD-ACTUAL>                                    5.52                    4.96                    5.14                    5.25
<LOANS-NON>                                        573                   1,868                     805                     869
<LOANS-PAST>                                       221                      23                     111                      78
<LOANS-TROUBLED>                                 5,167                   5,059                   5,054                   5,034
<LOANS-PROBLEM>                                  1,649                     219                       0                       0
<ALLOWANCE-OPEN>                                 3,063                   3,805                   3,805                   3,805
<CHARGE-OFFS>                                    2,632                      54                   1,124                   1,190
<RECOVERIES>                                     1,067                      86                     383                     437
<ALLOWANCE-CLOSE>                                3,805                   3,837                   3,064                   3,052
<ALLOWANCE-DOMESTIC>                             2,762                   3,004                   2,247                   2,063
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                          1,043                     833                     817                     989
        

</TABLE>