<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CARROLLTON
BANCORP'S FORM 10-KSB FOR THE YEAR ENDED DECEMBER 31, 1997 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                      25,063,180
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 71,782,023
<INVESTMENTS-CARRYING>                      11,825,605
<INVESTMENTS-MARKET>                        12,092,724
<LOANS>                                    170,834,248
<ALLOWANCE>                                  2,302,981
<TOTAL-ASSETS>                             287,907,392
<DEPOSITS>                                 234,470,405
<SHORT-TERM>                                22,730,696
<LIABILITIES-OTHER>                            709,440
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    14,542,880
<OTHER-SE>                                  15,249,354
<TOTAL-LIABILITIES-AND-EQUITY>             287,907,392
<INTEREST-LOAN>                             14,038,685
<INTEREST-INVEST>                            5,307,262
<INTEREST-OTHER>                               247,635
<INTEREST-TOTAL>                            19,593,582
<INTEREST-DEPOSIT>                           8,128,202
<INTEREST-EXPENSE>                           8,975,812
<INTEREST-INCOME-NET>                       10,617,770
<LOAN-LOSSES>                                  240,000
<SECURITIES-GAINS>                             175,377
<EXPENSE-OTHER>                             13,135,227
<INCOME-PRETAX>                              2,817,042
<INCOME-PRE-EXTRAORDINARY>                   2,817,042
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,139,492
<EPS-PRIMARY>                                     1.46<F1>
<EPS-DILUTED>                                     1.46
<YIELD-ACTUAL>                                    4.51
<LOANS-NON>                                    357,621
<LOANS-PAST>                                   268,931
<LOANS-TROUBLED>                               408,565
<LOANS-PROBLEM>                                788,841
<ALLOWANCE-OPEN>                             2,241,148
<CHARGE-OFFS>                                  257,769
<RECOVERIES>                                    79,602
<ALLOWANCE-CLOSE>                            2,302,981
<ALLOWANCE-DOMESTIC>                         1,892,514
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        410,467
<FN>
<F1>The Company's simple capital structure does not require restatement of prior
period earnings per share amounts.
</FN>
        

</TABLE>