<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
This schedule contains financial information extracted from the consolidated
financial statements of First Southern Bancshares, Inc. for the year ended
December 31, 1999 and is qualified in its entirety by reference to such
financial statements. Dollars are in thousands except for per share data.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           5,672
<INT-BEARING-DEPOSITS>                             234
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,408
<INVESTMENTS-CARRYING>                           3,527
<INVESTMENTS-MARKET>                             3,290
<LOANS>                                        155,818
<ALLOWANCE>                                      1,400
<TOTAL-ASSETS>                                 178,798
<DEPOSITS>                                     126,870
<SHORT-TERM>                                    17,638
<LIABILITIES-OTHER>                                807
<LONG-TERM>                                     19,514
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            21
<OTHER-SE>                                      13,948
<TOTAL-LIABILITIES-AND-EQUITY>                 178,798
<INTEREST-LOAN>                                 13,745
<INTEREST-INVEST>                                  431
<INTEREST-OTHER>                                   426
<INTEREST-TOTAL>                                13,951
<INTEREST-DEPOSIT>                               5,254
<INTEREST-EXPENSE>                               7,105
<INTEREST-INCOME-NET>                            6,846
<LOAN-LOSSES>                                      528
<SECURITIES-GAINS>                                  (1)
<EXPENSE-OTHER>                                  5,046
<INCOME-PRETAX>                                  2,054
<INCOME-PRE-EXTRAORDINARY>                       1,246
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,246
<EPS-BASIC>                                        .80
<EPS-DILUTED>                                      .79
<YIELD-ACTUAL>                                    3.82
<LOANS-NON>                                        683
<LOANS-PAST>                                     1,567
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    683
<ALLOWANCE-OPEN>                                 1,441
<CHARGE-OFFS>                                      704
<RECOVERIES>                                       135
<ALLOWANCE-CLOSE>                                1,400
<ALLOWANCE-DOMESTIC>                               990
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            410



</TABLE>