<TABLE> <S> <C>

<PAGE>

<ARTICLE>  9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               DEC-31-1999             DEC-31-1998
<CASH>                                       4,206,134               4,578,071
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                             4,590,000               2,990,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 26,111,751              21,448,636
<INVESTMENTS-CARRYING>                      26,111,751              21,448,636
<INVESTMENTS-MARKET>                        26,111,751              21,448,636
<LOANS>                                     89,613,648              74,440,161
<ALLOWANCE>                                  1,356,649                 935,234
<TOTAL-ASSETS>                             131,742,794             107,528,272
<DEPOSITS>                                 104,412,264              86,906,529
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                          6,277,126               1,150,540
<LONG-TERM>                                  6,290,000               5,500,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                     5,958,875               5,740,390
<OTHER-SE>                                   8,804,529               8,230,813
<TOTAL-LIABILITIES-AND-EQUITY>             131,742,794             107,528,272
<INTEREST-LOAN>                              9,008,346               7,266,861
<INTEREST-INVEST>                            1,311,294               1,286,839
<INTEREST-OTHER>                               191,178                 243,272
<INTEREST-TOTAL>                            10,510,818               8,797,172
<INTEREST-DEPOSIT>                           3,288,064               3,024,930
<INTEREST-EXPENSE>                           3,702,645               3,289,073
<INTEREST-INCOME-NET>                        6,808,173               5,508,099
<LOAN-LOSSES>                                  695,062                 336,243
<SECURITIES-GAINS>                                   0                  46,499
<EXPENSE-OTHER>                              6,866,150               4,985,623
<INCOME-PRETAX>                              1,103,161               1,765,191
<INCOME-PRE-EXTRAORDINARY>                     862,538               1,259,896
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   862,538               1,259,896
<EPS-BASIC>                                        .37                     .65
<EPS-DILUTED>                                      .35                     .63
<YIELD-ACTUAL>                                    6.20                    6.00
<LOANS-NON>                                    524,576                 555,429
<LOANS-PAST>                                   440,064                 176,997
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                              2,211,889               2,052,469
<ALLOWANCE-OPEN>                               935,234                 829,232
<CHARGE-OFFS>                                  413,312                 268,151
<RECOVERIES>                                    63,414                  37,910
<ALLOWANCE-CLOSE>                            1,356,649                 935,234
<ALLOWANCE-DOMESTIC>                         1,356,649                 935,234
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                        246,836                 199,946



</TABLE>