<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 JUNE 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>                             APR-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                          12,355
<INT-BEARING-DEPOSITS>                              56
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    109,131
<INVESTMENTS-CARRYING>                         107,247
<INVESTMENTS-MARKET>                           108,082
<LOANS>                                        109,276
<ALLOWANCE>                                      1,137
<TOTAL-ASSETS>                                 346,613
<DEPOSITS>                                     298,635
<SHORT-TERM>                                     3,000
<LIABILITIES-OTHER>                              2,329
<LONG-TERM>                                     10,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,285
<OTHER-SE>                                      22,364
<TOTAL-LIABILITIES-AND-EQUITY>                 346,613
<INTEREST-LOAN>                                  2,670
<INTEREST-INVEST>                                3,165
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 5,835
<INTEREST-DEPOSIT>                               2,723
<INTEREST-EXPENSE>                               2,723
<INTEREST-INCOME-NET>                            3,112
<LOAN-LOSSES>                                      167
<SECURITIES-GAINS>                                 (1)
<EXPENSE-OTHER>                                  2,350
<INCOME-PRETAX>                                  1,401
<INCOME-PRE-EXTRAORDINARY>                       1,401
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,055
<EPS-PRIMARY>                                     0.21
<EPS-DILUTED>                                     0.20
<YIELD-ACTUAL>                                    7.60
<LOANS-NON>                                        207
<LOANS-PAST>                                       268
<LOANS-TROUBLED>                                    48
<LOANS-PROBLEM>                                    523
<ALLOWANCE-OPEN>                                 1,015
<CHARGE-OFFS>                                       92
<RECOVERIES>                                        47
<ALLOWANCE-CLOSE>                                1,137
<ALLOWANCE-DOMESTIC>                             1,137
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>