<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                      12-MOS
<FISCAL-YEAR-END>                          DEC-31-2000                DEC-31-1999
<PERIOD-START>                             JAN-01-2000                JAN-01-1999
<PERIOD-END>                               JUN-30-2000                DEC-31-1999
<CASH>                                       4,507,000                  4,857,000
<INT-BEARING-DEPOSITS>                      26,107,000                 85,500,000
<FED-FUNDS-SOLD>                                     0                          0
<TRADING-ASSETS>                                     0                          0
<INVESTMENTS-HELD-FOR-SALE>                156,181,000                 31,145,000
<INVESTMENTS-CARRYING>                      10,000,000                          0
<INVESTMENTS-MARKET>                        10,000,000                          0
<LOANS>                                    197,500,000                294,743,000
<ALLOWANCE>                                 17,802,000                 14,139,000
<TOTAL-ASSETS>                             418,570,000                438,290,000
<DEPOSITS>                                 298,079,000                291,944,000
<SHORT-TERM>                                35,000,000                 54,415,000
<LIABILITIES-OTHER>                         13,872,000                 16,578,000
<LONG-TERM>                                          0                          0
<PREFERRED-MANDATORY>                                0                          0
<PREFERRED>                                          0                          0
<COMMON>                                    65,668,000                 65,249,000
<OTHER-SE>                                   6,069,000                 10,183,000
<TOTAL-LIABILITIES-AND-EQUITY>             418,570,000                438,290,000
<INTEREST-LOAN>                             16,055,000                 27,003,000
<INTEREST-INVEST>                            2,972,000                  1,800,000
<INTEREST-OTHER>                                     0                          0
<INTEREST-TOTAL>                            19,027,000                 28,803,000
<INTEREST-DEPOSIT>                           4,842,000                  5,787,000
<INTEREST-EXPENSE>                           5,078,000                  6,033,000
<INTEREST-INCOME-NET>                       13,949,000                 22,770,000
<LOAN-LOSSES>                                   77,000                    432,000
<SECURITIES-GAINS>                                   0                          0
<EXPENSE-OTHER>                             10,636,000                 18,643,000
<INCOME-PRETAX>                            (1,289,000)                  4,669,000
<INCOME-PRE-EXTRAORDINARY>                   (823,000)                  2,761,000
<EXTRAORDINARY>                            (3,291,000)                (7,113,000)
<CHANGES>                                           0                          0
<NET-INCOME>                               (4,114,000)                (4,352,000)
<EPS-BASIC>                                     (0.25)                     (0.26)
<EPS-DILUTED>                                   (0.25)                     (0.25)
<YIELD-ACTUAL>                                  11.09                      12.45
<LOANS-NON>                                13,869,000                 13,157,000
<LOANS-PAST>                                   36,000                     30,000
<LOANS-TROUBLED>                            3,414,000                  3,096,000
<LOANS-PROBLEM>                                     0                          0
<ALLOWANCE-OPEN>                           14,139,000                 10,183,000
<CHARGE-OFFS>                               3,959,000                 11,920,000
<RECOVERIES>                                  250,000                    710,000
<ALLOWANCE-CLOSE>                          17,802,000                 14,139,000
<ALLOWANCE-DOMESTIC>                       17,802,000                 14,139,000
<ALLOWANCE-FOREIGN>                                 0                          0
<ALLOWANCE-UNALLOCATED>                             0                          0


</TABLE>