<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               JUN-30-1999             JUN-30-1998
<CASH>                                           9,957                  66,905
<INT-BEARING-DEPOSITS>                             105                     105
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    192,826                 232,241
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        691,533                 812,877
<ALLOWANCE>                                     10,040                   9,107
<TOTAL-ASSETS>                                 938,150               1,142,622
<DEPOSITS>                                     710,851                 775,448
<SHORT-TERM>                                   101,909                 248,799
<LIABILITIES-OTHER>                              6,726                  17,016
<LONG-TERM>                                     67,919                  52,919
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         1,256                   1,250
<OTHER-SE>                                      49,489                  47,190
<TOTAL-LIABILITIES-AND-EQUITY>                 938,150               1,142,622
<INTEREST-LOAN>                                 37,722                  32,913
<INTEREST-INVEST>                                3,641                   7,377
<INTEREST-OTHER>                                   584                     245
<INTEREST-TOTAL>                                41,947                  40,535
<INTEREST-DEPOSIT>                              20,182                  19,164
<INTEREST-EXPENSE>                              26,396                  25,302
<INTEREST-INCOME-NET>                           15,551                  15,233
<LOAN-LOSSES>                                    1,433                   1,524
<SECURITIES-GAINS>                               9,240                   4,767
<EXPENSE-OTHER>                                 29,595                  23,355
<INCOME-PRETAX>                                  5,789                   5,988
<INCOME-PRE-EXTRAORDINARY>                       5,789                   5,988
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,757                   3,515
<EPS-BASIC>                                       2.99                    2.55
<EPS-DILUTED>                                     2.99                    2.55
<YIELD-ACTUAL>                                    3.20                    3.22
<LOANS-NON>                                      5,516                   7,253
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                 1,976                   2,034
<LOANS-PROBLEM>                                  7,492                   9,287
<ALLOWANCE-OPEN>                                 9,107                   7,333
<CHARGE-OFFS>                                      848                   1,412
<RECOVERIES>                                       348                     492
<ALLOWANCE-CLOSE>                               10,040                   7,937
<ALLOWANCE-DOMESTIC>                            10,040                   7,937
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0



</TABLE>