<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-START>                             APR-01-1996             JUL-01-1996             JAN-01-1996
<PERIOD-END>                               JUN-30-1996             SEP-30-1996             DEC-31-1996
<CASH>                                           1,280                   2,530                   2,572
<INT-BEARING-DEPOSITS>                             300                     300                       0
<FED-FUNDS-SOLD>                                36,445                   8,394                     262
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                     38,492                  33,037                  52,534
<INVESTMENTS-CARRYING>                          25,900                  25,900                  30,960
<INVESTMENTS-MARKET>                            25,855                  25,903                  30,926
<LOANS>                                        181,344                 187,227                 211,095
<ALLOWANCE>                                      3,292                   3,158                   3,400
<TOTAL-ASSETS>                                 290,443                 265,125                 304,085
<DEPOSITS>                                     264,780                 238,308                 266,695
<SHORT-TERM>                                         0                       0                  10,000
<LIABILITIES-OTHER>                              2,241                   2,855                   2,922
<LONG-TERM>                                          0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0 
<PREFERRED>                                          0                       0                       0
<COMMON>                                        23,422                  23,962                  24,468 
<OTHER-SE>                                           0                       0                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 290,443                 265,125                 304,085
<INTEREST-LOAN>                                  5,240                   5,086                  21,384
<INTEREST-INVEST>                                  594                   1,136                   2,913
<INTEREST-OTHER>                                   729                     360                   2,270
<INTEREST-TOTAL>                                 6,563                   6,582                  26,567
<INTEREST-DEPOSIT>                               3,376                   3,324                  13,457
<INTEREST-EXPENSE>                               3,376                   3,324                  13,500
<INTEREST-INCOME-NET>                            3,187                   3,258                  13,067
<LOAN-LOSSES>                                      575                     550                   1,917
<SECURITIES-GAINS>                                 350                      75                     413
<EXPENSE-OTHER>                                  1,961                   2,144                   8,123
<INCOME-PRETAX>                                  1,206                   1,233                   4,508
<INCOME-PRE-EXTRAORDINARY>                         746                     762                   3,003
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                       746                     762                   3,003
<EPS-PRIMARY>                                     0.25                    0.26                    1.02
<EPS-DILUTED>                                     0.25                    0.25                    1.00
<YIELD-ACTUAL>                                    4.76                    4.74                    4.76
<LOANS-NON>                                      4,244                   1,644                   1,386
<LOANS-PAST>                                     1,835                   1,835                     977
<LOANS-TROUBLED>                                   719                     719                     719
<LOANS-PROBLEM>                                  3,600                   3,600                   3,600
<ALLOWANCE-OPEN>                                 4,850                   3,292                   4,500
<CHARGE-OFFS>                                  (2,291)                   (736)                 (3,452)
<RECOVERIES>                                       158                      52                     244
<ALLOWANCE-CLOSE>                                3,292                   3,158                   3,400
<ALLOWANCE-DOMESTIC>                             3,292                   3,158                   3,400
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0
        

</TABLE>