<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS FOUND
ON PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                          22,780
<INT-BEARING-DEPOSITS>                             318
<FED-FUNDS-SOLD>                                15,320
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     34,796
<INVESTMENTS-CARRYING>                          14,986
<INVESTMENTS-MARKET>                            15,209
<LOANS>                                        335,083<F1>
<ALLOWANCE>                                      7,085
<TOTAL-ASSETS>                                 460,990
<DEPOSITS>                                     404,807
<SHORT-TERM>                                     5,204
<LIABILITIES-OTHER>                              8,860
<LONG-TERM>                                     12,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      5,750
<COMMON>                                        19,471
<OTHER-SE>                                       4,898<F2>
<TOTAL-LIABILITIES-AND-EQUITY>                 460,990
<INTEREST-LOAN>                                  8,628
<INTEREST-INVEST>                                  829
<INTEREST-OTHER>                                   281
<INTEREST-TOTAL>                                 9,738
<INTEREST-DEPOSIT>                               4,288
<INTEREST-EXPENSE>                               4,649
<INTEREST-INCOME-NET>                            5,089
<LOAN-LOSSES>                                      585
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                  6,513
<INCOME-PRETAX>                                  1,000
<INCOME-PRE-EXTRAORDINARY>                       1,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       580
<EPS-PRIMARY>                                      .16
<EPS-DILUTED>                                      .16
<YIELD-ACTUAL>                                    4.85
<LOANS-NON>                                      9,670
<LOANS-PAST>                                       746
<LOANS-TROUBLED>                                 1,622
<LOANS-PROBLEM>                                  2,585
<ALLOWANCE-OPEN>                                 7,085
<CHARGE-OFFS>                                      575
<RECOVERIES>                                        35
<ALLOWANCE-CLOSE>                                7,085
<ALLOWANCE-DOMESTIC>                             6,403
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            683
<FN>
<F1>EXCLUDES MORTGAGE LOANS HELD FOR SALE 19,064.
<F2>INCLUDES UNREALIZED LOSS ON INVESTMENT SECURITIES AVAILABLE FOR SALE
OF 602.
</FN>
        

</TABLE>