<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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                          31,171
<INT-BEARING-DEPOSITS>                               5
<FED-FUNDS-SOLD>                                31,641
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     34,012
<INVESTMENTS-CARRYING>                          20,045
<INVESTMENTS-MARKET>                            20,614
<LOANS>                                        299,645<F1>
<ALLOWANCE>                                      7,989
<TOTAL-ASSETS>                                 448,881
<DEPOSITS>                                     392,670
<SHORT-TERM>                                     5,282
<LIABILITIES-OTHER>                              6,694
<LONG-TERM>                                     12,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      5,750
<COMMON>                                        19,640
<OTHER-SE>                                       6,845<F2>
<TOTAL-LIABILITIES-AND-EQUITY>                 448,881
<INTEREST-LOAN>                                 24,922
<INTEREST-INVEST>                                2,601
<INTEREST-OTHER>                                   902
<INTEREST-TOTAL>                                28,425
<INTEREST-DEPOSIT>                              11,849
<INTEREST-EXPENSE>                              12,866
<INTEREST-INCOME-NET>                           15,559
<LOAN-LOSSES>                                    1,635
<SECURITIES-GAINS>                                  23
<EXPENSE-OTHER>                                 17,307
<INCOME-PRETAX>                                  2,389
<INCOME-PRE-EXTRAORDINARY>                       2,053
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,053
<EPS-PRIMARY>                                      .71
<EPS-DILUTED>                                      .70
<YIELD-ACTUAL>                                    5.19
<LOANS-NON>                                     10,275
<LOANS-PAST>                                       174
<LOANS-TROUBLED>                                 1,112
<LOANS-PROBLEM>                                  1,940
<ALLOWANCE-OPEN>                                 7,040
<CHARGE-OFFS>                                    1,027
<RECOVERIES>                                       341
<ALLOWANCE-CLOSE>                                7,989
<ALLOWANCE-DOMESTIC>                             6,675
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,314
<FN>
<F1>EXCLUDES MORTGAGE LOANS HELD FOR SALE $14,746.
<F2>INCLUDES UNREALIZED LOSS ON INVESTMENT SECURITIES AVAILABLE FOR SALE OF (241).
</FN>
        

</TABLE>