<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CODDLE CREEK
FINANCIAL CORP. AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               JUN-30-1998             JUN-30-1997
<CASH>                                             302                     246
<INT-BEARING-DEPOSITS>                           3,842                   2,348
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     15,526                   3,446
<INVESTMENTS-CARRYING>                           2,746                   4,238
<INVESTMENTS-MARKET>                             2,770                   4,235
<LOANS>                                        107,854                 101,123
<ALLOWANCE>                                        811                     617
<TOTAL-ASSETS>                                 133,559                 114,162
<DEPOSITS>                                      86,581                  95,872
<SHORT-TERM>                                         0                   1,000
<LIABILITIES-OTHER>                              2,987                   2,599
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                       0
<OTHER-SE>                                      43,991                  14,691
<TOTAL-LIABILITIES-AND-EQUITY>                 133,559                 114,162
<INTEREST-LOAN>                                  4,363                   4,130
<INTEREST-INVEST>                                  429                     251
<INTEREST-OTHER>                                   368                      52
<INTEREST-TOTAL>                                 5,160                   4,433
<INTEREST-DEPOSIT>                               2,081                   2,308
<INTEREST-EXPENSE>                               2,081                   2,366
<INTEREST-INCOME-NET>                            3,079                   2,067
<LOAN-LOSSES>                                      120                     230
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  1,481                   1,428
<INCOME-PRETAX>                                  1,572                     496
<INCOME-PRE-EXTRAORDINARY>                       1,572                     496
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       960                     287
<EPS-PRIMARY>                                     1.55                       0
<EPS-DILUTED>                                     1.55                       0
<YIELD-ACTUAL>                                    7.59                    7.96
<LOANS-NON>                                        552                     743
<LOANS-PAST>                                       755                   1,097
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   693                     388
<CHARGE-OFFS>                                        3                       2
<RECOVERIES>                                         1                       1
<ALLOWANCE-CLOSE>                                  811                     617
<ALLOWANCE-DOMESTIC>                               313                     303
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            498                     314
        

</TABLE>