<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>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                          24,558
<INT-BEARING-DEPOSITS>                         310,740
<FED-FUNDS-SOLD>                                19,378
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     34,933
<INVESTMENTS-CARRYING>                          15,018
<INVESTMENTS-MARKET>                            19,133
<LOANS>                                        322,291<F1>
<ALLOWANCE>                                      7,548
<TOTAL-ASSETS>                                 441,568
<DEPOSITS>                                     387,022
<SHORT-TERM>                                     4,830
<LIABILITIES-OTHER>                              6,440
<LONG-TERM>                                     12,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      5,750
<COMMON>                                        19,613
<OTHER-SE>                                       5,913<F2>
<TOTAL-LIABILITIES-AND-EQUITY>                 441,568
<INTEREST-LOAN>                                 17,024
<INTEREST-INVEST>                                1,687
<INTEREST-OTHER>                                   515
<INTEREST-TOTAL>                                19,226
<INTEREST-DEPOSIT>                               8,134
<INTEREST-EXPENSE>                               8,806
<INTEREST-INCOME-NET>                           10,420
<LOAN-LOSSES>                                    1,170
<SECURITIES-GAINS>                                 (7)
<EXPENSE-OTHER>                                 12,067
<INCOME-PRETAX>                                  2,527
<INCOME-PRE-EXTRAORDINARY>                       1,464
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,464
<EPS-PRIMARY>                                      .43
<EPS-DILUTED>                                      .43
<YIELD-ACTUAL>                                    5.45
<LOANS-NON>                                      9,133
<LOANS-PAST>                                     1,288
<LOANS-TROUBLED>                                 1,117
<LOANS-PROBLEM>                                  3,600
<ALLOWANCE-OPEN>                                 7,040
<CHARGE-OFFS>                                      755
<RECOVERIES>                                        93
<ALLOWANCE-CLOSE>                                7,548
<ALLOWANCE-DOMESTIC>                             7,548
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            911
<FN>
<F1>Excludes mortgage loans held for sale $9,548.
<F2>Includes unrealized loss on investment securities available for sale of (360).
</FN>
        

</TABLE>