WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS
       
<S>                                                          <C>
<PERIOD TYPE>                                                6-MOS
<FISCAL-YEAR-END>                                            DEC-31-1997
<PERIOD-END>                                                 JUN-30-1997
<EXCHANGE-RATE>                                                        1
<CASH>                                                            34,421
<INT-BEARING-DEPOSITS>                                           260,810
<FED-FUNDS-SOLD>                                                     105
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                       91,121
<INVESTMENTS-CARRYING>                                            34,058
<INVESTMENTS-MARKET>                                             125,199
<LOANS>                                                          213,188
<ALLOWANCE>                                                        3,335
<TOTAL-ASSETS>                                                   388,000
<DEPOSITS>                                                       314,050
<SHORT-TERM>                                                      17,449
<LIABILITIES-OTHER>                                                3,164
<LONG-TERM>                                                        2,977
<COMMON>                                                              29
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<OTHER-SE>                                                        50,331
<TOTAL-LIABILITIES-AND-EQUITY>                                   388,000
<INTEREST-LOAN>                                                    8,826
<INTEREST-INVEST>                                                  3,918
<INTEREST-OTHER>                                                     244
<INTEREST-TOTAL>                                                  12,988
<INTEREST-DEPOSIT>                                                 5,403
<INTEREST-EXPENSE>                                                 5,626
<INTEREST-INCOME-NET>                                              7,362
<LOAN-LOSSES>                                                        232
<SECURITIES-GAINS>                                                    29
<EXPENSE-OTHER>                                                    7,636
<INCOME-PRETAX>                                                    3,597
<INCOME-PRE-EXTRAORDINARY>                                         3,597
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                       2,469
<EPS-PRIMARY>                                                       0.85
<EPS-DILUTED>                                                       0.85
<YIELD-ACTUAL>                                                      0.04
<LOANS-NON>                                                           57
<LOANS-PAST>                                                       2,555
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                    1,483
<ALLOWANCE-OPEN>                                                   3,382
<CHARGE-OFFS>                                                        354
<RECOVERIES>                                                          75
<ALLOWANCE-CLOSE>                                                  3,335
<ALLOWANCE-DOMESTIC>                                               2,413
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                              922
        

</TABLE>