<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
FINANCIAL STATEMENTS AT DECEMBER 31, 1996 AND 1995 AND FOR EACH OF THE THREE
YEARS IN THE PERIOD ENDED DECEMBER 31, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                    1,000
<CURRENCY>                               U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                           1,234
<INT-BEARING-DEPOSITS>                          18,550
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     42,105
<INVESTMENTS-CARRYING>                          13,087
<INVESTMENTS-MARKET>                            12,938
<LOANS>                                        185,316
<ALLOWANCE>                                      2,592
<TOTAL-ASSETS>                                 264,374
<DEPOSITS>                                     193,450
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,583
<LONG-TERM>                                     22,250
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            27
<OTHER-SE>                                      47,064
<TOTAL-LIABILITIES-AND-EQUITY>                 264,374
<INTEREST-LOAN>                                 14,218
<INTEREST-INVEST>                                1,185
<INTEREST-OTHER>                                 3,300
<INTEREST-TOTAL>                                18,703
<INTEREST-DEPOSIT>                              10,184
<INTEREST-EXPENSE>                              10,762
<INTEREST-INCOME-NET>                            7,941
<LOAN-LOSSES>                                      355
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,301
<INCOME-PRETAX>                                  1,239
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       800
<EPS-PRIMARY>                                      .07
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.77
<LOANS-NON>                                        873
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   536
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,329
<CHARGE-OFFS>                                      277
<RECOVERIES>                                       185
<ALLOWANCE-CLOSE>                                2,592
<ALLOWANCE-DOMESTIC>                               335
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,257


</TABLE>