<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>                      <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999              DEC-31-1998
<PERIOD-START>                             JAN-01-1999              JAN-01-1998
<PERIOD-END>                               DEC-31-1999              DEC-31-1998
<CASH>                                          47,080                   41,759
<INT-BEARING-DEPOSITS>                             488                   11,402
<FED-FUNDS-SOLD>                                     0                      362
<TRADING-ASSETS>                                     0                        0
<INVESTMENTS-HELD-FOR-SALE>                    254,182                  156,421
<INVESTMENTS-CARRYING>                          94,425                  141,253
<INVESTMENTS-MARKET>                            93,202                  143,980
<LOANS>                                        719,969                  631,987
<ALLOWANCE>                                      4,828                    4,445
<TOTAL-ASSETS>                               1,146,356                1,009,275
<DEPOSITS>                                     894,072                  777,802
<SHORT-TERM>                                    98,008                   87,268
<LIABILITIES-OTHER>                             11,277                    9,644
<LONG-TERM>                                     63,000                   57,500
<PREFERRED-MANDATORY>                                0                        0
<PREFERRED>                                          0                        0
<COMMON>                                        14,567                   14,567
<OTHER-SE>                                      65,432                   62,494
<TOTAL-LIABILITIES-AND-EQUITY>               1,146,356                1,009,275
<INTEREST-LOAN>                                 50,078                   40,811
<INTEREST-INVEST>                               17,863                   18,015
<INTEREST-OTHER>                                 1,519                    2,870
<INTEREST-TOTAL>                                69,460                   61,696
<INTEREST-DEPOSIT>                              29,841                   27,029
<INTEREST-EXPENSE>                              37,123                   33,286
<INTEREST-INCOME-NET>                           32,337                   28,410
<LOAN-LOSSES>                                      840                      630
<SECURITIES-GAINS>                                  79                       79
<EXPENSE-OTHER>                                 25,640                   22,423
<INCOME-PRETAX>                                 14,823                   13,348
<INCOME-PRE-EXTRAORDINARY>                      14,823                   13,348
<EXTRAORDINARY>                                      0                        0
<CHANGES>                                            0                        0
<NET-INCOME>                                    10,546                    9,441
<EPS-BASIC>                                       1.60                     1.42
<EPS-DILUTED>                                     1.57                     1.39
<YIELD-ACTUAL>                                    3.35                     3.43
<LOANS-NON>                                         90                        0
<LOANS-PAST>                                       282                      272
<LOANS-TROUBLED>                                     0                        0
<LOANS-PROBLEM>                                      0                        0
<ALLOWANCE-OPEN>                                 4,445                    4,329
<CHARGE-OFFS>                                      528                      729
<RECOVERIES>                                        71                      215
<ALLOWANCE-CLOSE>                                4,828                    4,445
<ALLOWANCE-DOMESTIC>                             4,828                    4,445
<ALLOWANCE-FOREIGN>                                  0                        0
<ALLOWANCE-UNALLOCATED>                              0                        0


</TABLE>