<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<RESTATED> 
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1996             JAN-01-1996
<PERIOD-END>                               SEP-30-1996             JUN-30-1996
<CASH>                                      10,523,821               8,680,000
<INT-BEARING-DEPOSITS>                      12,214,411               8,552,000
<FED-FUNDS-SOLD>                            12,500,000               3,200,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 33,661,298              33,464,000
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                    193,358,491             199,959,000
<ALLOWANCE>                                  2,291,290               2,156,000
<TOTAL-ASSETS>                             273,054,631             265,267,000
<DEPOSITS>                                 218,453,983             198,865,000
<SHORT-TERM>                                24,465,605              37,122,000
<LIABILITIES-OTHER>                          2,801,550               2,982,000
<LONG-TERM>                                  4,000,000               3,000,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                     2,351,529               2,351,529
<OTHER-SE>                                  20,981,964              20,946,471
<TOTAL-LIABILITIES-AND-EQUITY>             273,054,631             265,267,000
<INTEREST-LOAN>                             14,441,321               9,792,421
<INTEREST-INVEST>                            1,724,873               1,215,119
<INTEREST-OTHER>                               700,203                 473,145
<INTEREST-TOTAL>                            16,866,397              11,480,685
<INTEREST-DEPOSIT>                           6,204,671               4,028,204
<INTEREST-EXPENSE>                           8,139,850               5,374,115
<INTEREST-INCOME-NET>                        8,726,547               6,106,570
<LOAN-LOSSES>                                  463,791                 331,304
<SECURITIES-GAINS>                             135,295                 135,295
<EXPENSE-OTHER>                             14,301,456               9,100,036
<INCOME-PRETAX>                              2,198,630               1,994,756
<INCOME-PRE-EXTRAORDINARY>                   1,537,842               1,435,175
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                 1,537,842               1,435,175
<EPS-PRIMARY>                                      .65                     .61
<EPS-DILUTED>                                      .65                     .61
<YIELD-ACTUAL>                                    5.06                    5.12
<LOANS-NON>                                    672,345                 790,000
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                               320,000                 259,000
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                             1,801,000               1,801,000
<CHARGE-OFFS>                                   94,000                  94,000
<RECOVERIES>                                   120,000                 118,000
<ALLOWANCE-CLOSE>                            2,291,000               2,156,000
<ALLOWANCE-DOMESTIC>                         2,291,000               2,156,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>