<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, 1998 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CURRENCY> US DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<EXCHANGE-RATE>                                     1.
<CASH>                                      32,524,320
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                22,145
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 56,745,748
<INVESTMENTS-CARRYING>                       8,386,910
<INVESTMENTS-MARKET>                         8,737,125
<LOANS>                                    207,306,887
<ALLOWANCE>                                  2,387,732
<TOTAL-ASSETS>                             317,853,989
<DEPOSITS>                                 236,979,025
<SHORT-TERM>                                48,231,359
<LIABILITIES-OTHER>                          1,771,077
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    14,147,440
<OTHER-SE>                                  16,725,088
<TOTAL-LIABILITIES-AND-EQUITY>             317,853,989
<INTEREST-LOAN>                             16,196,046
<INTEREST-INVEST>                            3,937,570
<INTEREST-OTHER>                               225,586
<INTEREST-TOTAL>                            20,359,202
<INTEREST-DEPOSIT>                           7,921,410
<INTEREST-EXPENSE>                           9,596,722
<INTEREST-INCOME-NET>                       10,762,480
<LOAN-LOSSES>                                  615,000
<SECURITIES-GAINS>                           2,404,348
<EXPENSE-OTHER>                             15,826,736
<INCOME-PRETAX>                              4,078,132
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,974,349
<EPS-PRIMARY>                                     2.07
<EPS-DILUTED>                                     2.07
<YIELD-ACTUAL>                                    4.38
<LOANS-NON>                                    205,074
<LOANS-PAST>                                 1,536,802
<LOANS-TROUBLED>                               408,565
<LOANS-PROBLEM>                                742,349
<ALLOWANCE-OPEN>                             2,302,981
<CHARGE-OFFS>                                  673,683
<RECOVERIES>                                   143,434
<ALLOWANCE-CLOSE>                            2,387,732
<ALLOWANCE-DOMESTIC>                         2,327,060
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         60,672
        

</TABLE>