<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 MARCH 31, 1999, 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-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          13,221
<INT-BEARING-DEPOSITS>                           5,841
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    139,768
<INVESTMENTS-CARRYING>                         112,368
<INVESTMENTS-MARKET>                           113,093
<LOANS>                                        114,693
<ALLOWANCE>                                      1,200
<TOTAL-ASSETS>                                 394,542
<DEPOSITS>                                     340,521
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,531
<LONG-TERM>                                     18,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,069
<OTHER-SE>                                      27,421
<TOTAL-LIABILITIES-AND-EQUITY>                 394,542
<INTEREST-LOAN>                                  2,724
<INTEREST-INVEST>                                3,594
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 6,318
<INTEREST-DEPOSIT>                               3,011
<INTEREST-EXPENSE>                               3,011
<INTEREST-INCOME-NET>                            3,307
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                  19
<EXPENSE-OTHER>                                  2,411
<INCOME-PRETAX>                                  1,411
<INCOME-PRE-EXTRAORDINARY>                       1,411
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,218
<EPS-PRIMARY>                                     0.25
<EPS-DILUTED>                                     0.25
<YIELD-ACTUAL>                                    7.03
<LOANS-NON>                                        232
<LOANS-PAST>                                       171
<LOANS-TROUBLED>                                    37
<LOANS-PROBLEM>                                    440
<ALLOWANCE-OPEN>                                 1,183
<CHARGE-OFFS>                                      187
<RECOVERIES>                                        54
<ALLOWANCE-CLOSE>                                1,200
<ALLOWANCE-DOMESTIC>                             1,200
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>