<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS
       
<CAPTION>
  <PERIOD-TYPE>                                              9-MOS
<S>                                                        <C>
<FISCAL-YEAR-END>                                            DEC-31-1998
<PERIOD-START>                                               JAN-01-1998
<PERIOD-END>                                                 SEP-30-1998
<EXCHANGE-RATE>                                              1
<CASH>                                                       32,670
<INT-BEARING-DEPOSITS>                                       279,040
<FED-FUNDS-SOLD>                                             4,785
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                                  135,622
<INVESTMENTS-CARRYING>                                       26,903
<INVESTMENTS-MARKET>                                         163,156
<LOANS>                                                      208,707
<ALLOWANCE>                                                  3,472
<TOTAL-ASSETS>                                               428,022
<DEPOSITS>                                                   336,090
<SHORT-TERM>                                                 12,866
<LIABILITIES-OTHER>                                          4,916
<LONG-TERM>                                                  17,917
<COMMON>                                                     29
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<OTHER-SE>                                                   56,205
<TOTAL-LIABILITIES-AND-EQUITY>                               428,022
<INTEREST-LOAN>                                              12,974
<INTEREST-INVEST>                                            6,615
<INTEREST-OTHER>                                             733
<INTEREST-TOTAL>                                             20,322
<INTEREST-DEPOSIT>                                           8,658
<INTEREST-EXPENSE>                                           9,503
<INTEREST-INCOME-NET>                                        10,819
<LOAN-LOSSES>                                                223
<SECURITIES-GAINS>                                           37
<EXPENSE-OTHER>                                              11,573
<INCOME-PRETAX>                                              5,948
<INCOME-PRE-EXTRAORDINARY>                                   5,948
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                                 4,139
<EPS-PRIMARY>                                                1.44
<EPS-DILUTED>                                                1.43
<YIELD-ACTUAL>                                               3.01
<LOANS-NON>                                                  352
<LOANS-PAST>                                                 3,627
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              1,524
<ALLOWANCE-OPEN>                                             3,531
<CHARGE-OFFS>                                                212
<RECOVERIES>                                                 85
<ALLOWANCE-CLOSE>                                            3,472
<ALLOWANCE-DOMESTIC>                                         2,507
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      965
        

</TABLE>