<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               MAR-31-1998             DEC-31-1997
<CASH>                                      10,318,000              15,026,000
<INT-BEARING-DEPOSITS>                      18,000,000               4,000,000
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                    349,995,000             268,537,000
<ALLOWANCE>                                  6,932,000               6,487,000
<TOTAL-ASSETS>                             397,145,000             310,842,000
<DEPOSITS>                                 288,232,000             233,194,000
<SHORT-TERM>                                58,888,000              34,237,000
<LIABILITIES-OTHER>                         22,634,000              17,472,000
<LONG-TERM>                                 12,930,000              12,930,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       110,000                 110,000
<OTHER-SE>                                  14,351,000              12,899,000
<TOTAL-LIABILITIES-AND-EQUITY>             397,145,000             310,842,000
<INTEREST-LOAN>                              9,358,000              25,872,000
<INTEREST-INVEST>                              186,000                 639,000
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                             9,544,000              26,511,000
<INTEREST-DEPOSIT>                           3,247,000              10,095,000
<INTEREST-EXPENSE>                           4,295,000              12,411,000
<INTEREST-INCOME-NET>                        5,249,000               14,100,00
<LOAN-LOSSES>                                   38,000                 507,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              3,085,000                 946,000
<INCOME-PRETAX>                              2,512,000              10,739,000
<INCOME-PRE-EXTRAORDINARY>                   2,512,000              10,739,000
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                 1,453,000               6,248,000
<EPS-PRIMARY>                                     0.13                    0.58
<EPS-DILUTED>                                     0.12                    0.53
<YIELD-ACTUAL>                                   11.43                   11.41
<LOANS-NON>                                  9,074,000               6,633,000
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                             6,487,000               5,356,000
<CHARGE-OFFS>                                  762,000               2,474,000
<RECOVERIES>                                   368,000               1,145,000
<ALLOWANCE-CLOSE>                            6,932,000               6,487,000
<ALLOWANCE-DOMESTIC>                         6,932,000               6,487,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                        490,000                 593,000
        

</TABLE>