<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AT DECEMBER 31, 1998 AND THE CONSOLIDATED STATEMENT
OF INCOME FOR THE YEAR ENDED DECEMBER 31, 1998, AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           2,386
<INT-BEARING-DEPOSITS>                          18,575
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    181,625
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        447,455
<ALLOWANCE>                                      3,041
<TOTAL-ASSETS>                                 694,658
<DEPOSITS>                                     433,869
<SHORT-TERM>                                    17,500
<LIABILITIES-OTHER>                              4,444
<LONG-TERM>                                    170,400
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            91
<OTHER-SE>                                      68,354
<TOTAL-LIABILITIES-AND-EQUITY>                 694,658
<INTEREST-LOAN>                                 35,074
<INTEREST-INVEST>                               12,699
<INTEREST-OTHER>                                 1,022
<INTEREST-TOTAL>                                48,795
<INTEREST-DEPOSIT>                              22,098
<INTEREST-EXPENSE>                              31,898
<INTEREST-INCOME-NET>                           16,897
<LOAN-LOSSES>                                      310
<SECURITIES-GAINS>                               2,799
<EXPENSE-OTHER>                                 13,160
<INCOME-PRETAX>                                  6,057
<INCOME-PRE-EXTRAORDINARY>                       4,058
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,058
<EPS-PRIMARY>                                      .82
<EPS-DILUTED>                                      .77
<YIELD-ACTUAL>                                    2.47
<LOANS-NON>                                        476
<LOANS-PAST>                                       312
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     72
<ALLOWANCE-OPEN>                                 2,748
<CHARGE-OFFS>                                     (19)
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                3,041
<ALLOWANCE-DOMESTIC>                             2,812
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            229
        

</TABLE>