<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               JUN-30-1999             DEC-31-1998
<CASH>                                       4,485,000               5,211,000
<INT-BEARING-DEPOSITS>                      14,500,000              47,000,000
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                            12,191,000                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                    359,913,000             348,124,000
<ALLOWANCE>                                 12,541,000              10,183,000
<TOTAL-ASSETS>                             416,644,000             425,559,000
<DEPOSITS>                                 304,292,000             321,668,000
<SHORT-TERM>                                14,597,000              10,930,000
<LIABILITIES-OTHER>                         15,503,000              10,048,000
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                    66,421,000              68,378,000
<OTHER-SE>                                  15,831,000              14,535,000
<TOTAL-LIABILITIES-AND-EQUITY>             416,644,000             425,559,000
<INTEREST-LOAN>                             23,193,000              43,999,000
<INTEREST-INVEST>                              955,000               1,346,000
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                            24,148,000              45,345,000
<INTEREST-DEPOSIT>                           7,781,000              15,329,000
<INTEREST-EXPENSE>                           8,773,000              19,246,000
<INTEREST-INCOME-NET>                       15,375,000              26,099,000
<LOAN-LOSSES>                                4,071,000               5,853,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                      0               1,208,000
<INCOME-PRETAX>                              2,203,000              11,754,000
<INCOME-PRE-EXTRAORDINARY>                   2,203,000              11,754,000
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                 1,296,000               6,763,000
<EPS-BASIC>                                     0.08                    0.44
<EPS-DILUTED>                                     0.07                    0.42
<YIELD-ACTUAL>                                    7.45                    6.57
<LOANS-NON>                                 15,908,000              18,632,000
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                            10,183,000               6,487,000
<CHARGE-OFFS>                                5,706,000               8,329,000
<RECOVERIES>                                   504,000               1,590,000
<ALLOWANCE-CLOSE>                           12,541,000              10,183,000
<ALLOWANCE-DOMESTIC>                        12,541,000              10,183,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>