<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF CITIZENS NATIONAL BANK OF TEXAS AT SEPTEMBER 30, 1998,
AND FOR THE THREE MONTHS THEN ENDED AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          12,453
<INT-BEARING-DEPOSITS>                             189
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    127,538
<INVESTMENTS-CARRYING>                         105,779
<INVESTMENTS-MARKET>                           107,225
<LOANS>                                        108,750
<ALLOWANCE>                                      1,104
<TOTAL-ASSETS>                                 362,541
<DEPOSITS>                                     307,818
<SHORT-TERM>                                     7,750
<LIABILITIES-OTHER>                              3,023
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,066
<OTHER-SE>                                      28,884
<TOTAL-LIABILITIES-AND-EQUITY>                 362,541
<INTEREST-LOAN>                                  2,769
<INTEREST-INVEST>                                3,457
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 6,226
<INTEREST-DEPOSIT>                               2,977
<INTEREST-EXPENSE>                               2,977
<INTEREST-INCOME-NET>                            3,249
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                 198
<EXPENSE-OTHER>                                  2,377
<INCOME-PRETAX>                                  1,577
<INCOME-PRE-EXTRAORDINARY>                       1,577
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,170
<EPS-PRIMARY>                                     0.23
<EPS-DILUTED>                                     0.23
<YIELD-ACTUAL>                                    7.57
<LOANS-NON>                                        273
<LOANS-PAST>                                       234
<LOANS-TROUBLED>                                    43
<LOANS-PROBLEM>                                    550
<ALLOWANCE-OPEN>                                 1,104
<CHARGE-OFFS>                                      436
<RECOVERIES>                                        99
<ALLOWANCE-CLOSE>                                1,104
<ALLOWANCE-DOMESTIC>                             1,104
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>