<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               MAR-31-2000             DEC-31-1999
<CASH>                                       4,839,000               4,857,000
<INT-BEARING-DEPOSITS>                      74,499,000              85,500,000
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 62,267,000              31,145,000
<INVESTMENTS-CARRYING>                      10,000,000                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                    227,708,000             294,743,000
<ALLOWANCE>                                 14,760,000              14,139,000
<TOTAL-ASSETS>                             400,296,000             438,290,000
<DEPOSITS>                                 295,216,000             291,944,000
<SHORT-TERM>                                15,000,000              54,415,000
<LIABILITIES-OTHER>                         13,473,000              16,578,000
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                    65,534,000              65,249,000
<OTHER-SE>                                  11,185,000              10,183,000
<TOTAL-LIABILITIES-AND-EQUITY>             400,296,000             438,290,000
<INTEREST-LOAN>                              7,675,000              27,003,000
<INTEREST-INVEST>                              711,000               1,800,000
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                             8,386,000              28,803,000
<INTEREST-DEPOSIT>                           1,703,000               5,787,000
<INTEREST-EXPENSE>                           1,703,000               6,033,000
<INTEREST-INCOME-NET>                        6,683,000              22,770,000
<LOAN-LOSSES>                                   72,000                 432,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              5,156,000              18,643,000
<INCOME-PRETAX>                              1,694,000               4,669,000
<INCOME-PRE-EXTRAORDINARY>                   1,002,000               2,761,000
<EXTRAORDINARY>                                      0             (7,113,000)
<CHANGES>                                            0                       0
<NET-INCOME>                                 1,002,000             (4,352,000)
<EPS-BASIC>                                       0.06                  (0.26)
<EPS-DILUTED>                                     0.06                  (0.25)
<YIELD-ACTUAL>                                   13.44                   12.45
<LOANS-NON>                                 14,400,000              13,157,000
<LOANS-PAST>                                    32,000                  30,000
<LOANS-TROUBLED>                             2,435,000               3,096,000
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                            14,139,000              10,183,000
<CHARGE-OFFS>                                1,942,000              11,920,000
<RECOVERIES>                                   121,000                 710,000
<ALLOWANCE-CLOSE>                           14,760,000              14,139,000
<ALLOWANCE-DOMESTIC>                        14,760,000              14,139,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>