<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-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          18,606
<INT-BEARING-DEPOSITS>                             312
<FED-FUNDS-SOLD>                                12,311
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     25,733
<INVESTMENTS-CARRYING>                          22,637
<INVESTMENTS-MARKET>                            22,929
<LOANS>                                        350,399<F1>
<ALLOWANCE>                                      6,985
<TOTAL-ASSETS>                                 534,507
<DEPOSITS>                                     446,380
<SHORT-TERM>                                    31,628
<LIABILITIES-OTHER>                             13,191
<LONG-TERM>                                     12,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      5,750
<COMMON>                                        19,262
<OTHER-SE>                                       6,296<F2>
<TOTAL-LIABILITIES-AND-EQUITY>                 534,507
<INTEREST-LOAN>                                 31,652
<INTEREST-INVEST>                                2,270
<INTEREST-OTHER>                                   873
<INTEREST-TOTAL>                                34,795
<INTEREST-DEPOSIT>                              15,204
<INTEREST-EXPENSE>                              17,316
<INTEREST-INCOME-NET>                           17,479
<LOAN-LOSSES>                                    3,375
<SECURITIES-GAINS>                                 (8)
<EXPENSE-OTHER>                                 27,839
<INCOME-PRETAX>                                    190
<INCOME-PRE-EXTRAORDINARY>                         190
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       190
<EPS-PRIMARY>                                    (.08)
<EPS-DILUTED>                                    (.08)
<YIELD-ACTUAL>                                    4.73
<LOANS-NON>                                      8,917
<LOANS-PAST>                                       130
<LOANS-TROUBLED>                                   757
<LOANS-PROBLEM>                                  4,694
<ALLOWANCE-OPEN>                                 5,037
<CHARGE-OFFS>                                    1,532
<RECOVERIES>                                       105
<ALLOWANCE-CLOSE>                                6,985
<ALLOWANCE-DOMESTIC>                             6,271
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            714
<FN>
<F1>EXCLUDES MORTGAGE LOANS HELD FOR SALE OF 81,105
<F2>INCLUDES UNREALIZED LOSS ON INVESTMENT SECURITIES AVAILABLE FOR SALE OF 454
</FN>
        

</TABLE>