<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AT DECEMBER 31, 1999 AND THE CONSOLIDATED STATEMENT
OF INCOME FOR THE YEAR ENDED DECEMBER 31, 1999 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-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                           4,253
<INT-BEARING-DEPOSITS>                           4,798
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    173,477
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        481,169
<ALLOWANCE>                                      3,273
<TOTAL-ASSETS>                                 699,186
<DEPOSITS>                                     400,382
<SHORT-TERM>                                    60,500
<LIABILITIES-OTHER>                              4,844
<LONG-TERM>                                    168,900
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            91
<OTHER-SE>                                      64,470
<TOTAL-LIABILITIES-AND-EQUITY>                 699,186
<INTEREST-LOAN>                                 35,091
<INTEREST-INVEST>                               11,154
<INTEREST-OTHER>                                   859
<INTEREST-TOTAL>                                47,104
<INTEREST-DEPOSIT>                              17,926
<INTEREST-EXPENSE>                              28,911
<INTEREST-INCOME-NET>                           18,193
<LOAN-LOSSES>                                      240
<SECURITIES-GAINS>                              17,953
<EXPENSE-OTHER>                                 11,895
<INCOME-PRETAX>                                 10,351
<INCOME-PRE-EXTRAORDINARY>                       6,391
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,391
<EPS-BASIC>                                       1.47
<EPS-DILUTED>                                     1.41
<YIELD-ACTUAL>                                    2.74
<LOANS-NON>                                        342
<LOANS-PAST>                                       476
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     87
<ALLOWANCE-OPEN>                                 3,041
<CHARGE-OFFS>                                     (10)
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                3,273
<ALLOWANCE-DOMESTIC>                             1,737
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,536


</TABLE>