<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<S> <C> <C>
<PERIOD-TYPE> 6-MOS 12-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-START> JAN-01-2000 JAN-01-1999
<PERIOD-END> JUN-30-2000 DEC-31-1999
<CASH> 4,507,000 4,857,000
<INT-BEARING-DEPOSITS> 26,107,000 85,500,000
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 156,181,000 31,145,000
<INVESTMENTS-CARRYING> 10,000,000 0
<INVESTMENTS-MARKET> 10,000,000 0
<LOANS> 197,500,000 294,743,000
<ALLOWANCE> 17,802,000 14,139,000
<TOTAL-ASSETS> 418,570,000 438,290,000
<DEPOSITS> 298,079,000 291,944,000
<SHORT-TERM> 35,000,000 54,415,000
<LIABILITIES-OTHER> 13,872,000 16,578,000
<LONG-TERM> 0 0
0 0
0 0
<COMMON> 65,668,000 65,249,000
<OTHER-SE> 6,069,000 10,183,000
<TOTAL-LIABILITIES-AND-EQUITY> 418,570,000 438,290,000
<INTEREST-LOAN> 16,055,000 27,003,000
<INTEREST-INVEST> 2,972,000 1,800,000
<INTEREST-OTHER> 0 0
<INTEREST-TOTAL> 19,027,000 28,803,000
<INTEREST-DEPOSIT> 4,842,000 5,787,000
<INTEREST-EXPENSE> 5,078,000 6,033,000
<INTEREST-INCOME-NET> 13,949,000 22,770,000
<LOAN-LOSSES> 77,000 432,000
<SECURITIES-GAINS> 0 0
<EXPENSE-OTHER> 10,636,000 18,643,000
<INCOME-PRETAX> (1,289,000) 4,669,000
<INCOME-PRE-EXTRAORDINARY> (823,000) 2,761,000
<EXTRAORDINARY> (3,291,000) (7,113,000)
<CHANGES> 0 0
<NET-INCOME> (4,114,000) (4,352,000)
<EPS-BASIC> (0.25) (0.26)
<EPS-DILUTED> (0.25) (0.25)
<YIELD-ACTUAL> 11.09 12.45
<LOANS-NON> 13,869,000 13,157,000
<LOANS-PAST> 36,000 30,000
<LOANS-TROUBLED> 3,414,000 3,096,000
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 14,139,000 10,183,000
<CHARGE-OFFS> 3,959,000 11,920,000
<RECOVERIES> 250,000 710,000
<ALLOWANCE-CLOSE> 17,802,000 14,139,000
<ALLOWANCE-DOMESTIC> 17,802,000 14,139,000
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0
</TABLE>