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<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<S> <C> <C>
<PERIOD-TYPE> 9-MOS 12-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-END> SEP-30-2000 DEC-31-1999
<CASH> 32,683 24,230
<INT-BEARING-DEPOSITS> 0 0
<FED-FUNDS-SOLD> 0 415
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 172,459 163,997
<INVESTMENTS-CARRYING> 60,280 68,193
<INVESTMENTS-MARKET> 60,605 68,049
<LOANS> 698,759 635,434
<ALLOWANCE> 10,716 9,390
<TOTAL-ASSETS> 1,011,352 928,350
<DEPOSITS> 743,553 667,720
<SHORT-TERM> 173,524 173,924
<LIABILITIES-OTHER> 8,394 9,083
<LONG-TERM> 0 0
0 0
0 0
<COMMON> 2,450 2,450
<OTHER-SE> 83,431 75,173
<TOTAL-LIABILITIES-AND-EQUITY> 1,011,352 928,350
<INTEREST-LOAN> 45,400 54,838
<INTEREST-INVEST> 12,462 15,553
<INTEREST-OTHER> 765 172
<INTEREST-TOTAL> 58,627 70,563
<INTEREST-DEPOSIT> 19,235 23,187
<INTEREST-EXPENSE> 29,167 30,504
<INTEREST-INCOME-NET> 29,460 40,059
<LOAN-LOSSES> 1,897 3,670
<SECURITIES-GAINS> 0 0
<EXPENSE-OTHER> 18,785 27,604
<INCOME-PRETAX> 15,315 15,412
<INCOME-PRE-EXTRAORDINARY> 15,315 15,412
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 10,541 10,229
<EPS-BASIC> $1.29 $1.27
<EPS-DILUTED> $1.29 $1.27
<YIELD-ACTUAL> 0.08 0.08
<LOANS-NON> 6,890 6,136
<LOANS-PAST> 1,256 195
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 8,146 6,331
<ALLOWANCE-OPEN> 9,390 8,092
<CHARGE-OFFS> 1,098 2,660
<RECOVERIES> 527 288
<ALLOWANCE-CLOSE> 10,716 9,390
<ALLOWANCE-DOMESTIC> 10,348 8,862
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 368 528
</TABLE>
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