<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               SEP-30-1998             DEC-31-1997
<CASH>                                      45,436,000              15,026,000
<INT-BEARING-DEPOSITS>                      15,500,000               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>                                    354,267,000             268,537,000
<ALLOWANCE>                                  8,858,000               6,487,000
<TOTAL-ASSETS>                             437,276,000             310,842,000
<DEPOSITS>                                 317,342,000             233,194,000
<SHORT-TERM>                                10,930,000              34,237,000
<LIABILITIES-OTHER>                         22,285,000              17,472,000
<LONG-TERM>                                          0              12,930,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       173,000                 110,000
<OTHER-SE>                                  86,546,000              12,899,000
<TOTAL-LIABILITIES-AND-EQUITY>             437,276,000             310,842,000
<INTEREST-LOAN>                             32,786,000              25,872,000
<INTEREST-INVEST>                              819,000                 639,000
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                            33,605,000              26,511,000
<INTEREST-DEPOSIT>                          11,186,000              10,095,000
<INTEREST-EXPENSE>                          14,448,000              12,411,000
<INTEREST-INCOME-NET>                       19,157,000              14,100,000
<LOAN-LOSSES>                                1,784,000                 507,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              1,486,000                 946,000
<INCOME-PRETAX>                             17,908,000              10,739,000
<INCOME-PRE-EXTRAORDINARY>                  17,908,000              10,739,000
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                10,336,000               6,248,000
<EPS-PRIMARY>                                     0.71                    0.58
<EPS-DILUTED>                                     0.67                    0.53
<YIELD-ACTUAL>                                   11.95                   11.41
<LOANS-NON>                                 20,951,000               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>                                3,764,000               2,474,000
<RECOVERIES>                                 1,109,000               1,145,000
<ALLOWANCE-CLOSE>                            8,858,000               6,487,000
<ALLOWANCE-DOMESTIC>                         8,858,000               6,487,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                        613,000                 593,000
        

</TABLE>