<TABLE> <S> <C>

<PAGE>


<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEC FORM
10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               DEC-31-1998             DEC-31-1997
<CASH>                                          41,759                  32,893
<INT-BEARING-DEPOSITS>                          11,402                  10,239
<FED-FUNDS-SOLD>                                   362                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    156,421                 159,416
<INVESTMENTS-CARRYING>                         141,253                 142,682
<INVESTMENTS-MARKET>                           143,980                 145,639
<LOANS>                                        631,987                 447,332
<ALLOWANCE>                                      4,445                   4,329
<TOTAL-ASSETS>                               1,009,275                 816,144
<DEPOSITS>                                     777,802                 627,763
<SHORT-TERM>                                    87,268                  92,616
<LIABILITIES-OTHER>                              9,644                   9,104
<LONG-TERM>                                     57,500                  15,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        14,567                  14,542
<OTHER-SE>                                      62,494                  57,119
<TOTAL-LIABILITIES-AND-EQUITY>               1,009,275                 816,144
<INTEREST-LOAN>                                 40,811                  36,305
<INTEREST-INVEST>                               18,015                  17,560
<INTEREST-OTHER>                                 2,870                     822
<INTEREST-TOTAL>                                61,696                  54,687
<INTEREST-DEPOSIT>                              27,029                  23,373
<INTEREST-EXPENSE>                              33,286                  27,255
<INTEREST-INCOME-NET>                           28,410                  27,432
<LOAN-LOSSES>                                      630                   1,550
<SECURITIES-GAINS>                                  79                     (9)
<EXPENSE-OTHER>                                 22,423                  20,708
<INCOME-PRETAX>                                 13,348                  20,715
<INCOME-PRE-EXTRAORDINARY>                      13,348                  20,715
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     9,441                  13,753
<EPS-PRIMARY>                                     1.42                    2.09
<EPS-DILUTED>                                     1.39                    2.03
<YIELD-ACTUAL>                                    3.43                    3.97
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                       272                     378
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,329                   4,109
<CHARGE-OFFS>                                      729                   1,505
<RECOVERIES>                                       215                     175
<ALLOWANCE-CLOSE>                                4,445                   4,329
<ALLOWANCE-DOMESTIC>                             4,445                   4,329
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        


</TABLE>