<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF OPERATIONS FROM THE
COMPANY FORM 10-KSB FOR THE YEAR TO DATE AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                       2,499,900
<INT-BEARING-DEPOSITS>                         100,000
<FED-FUNDS-SOLD>                             9,930,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    690,500
<INVESTMENTS-CARRYING>                       6,265,000
<INVESTMENTS-MARKET>                         6,305,300
<LOANS>                                     28,250,000
<ALLOWANCE>                                    336,200
<TOTAL-ASSETS>                              51,103,400
<DEPOSITS>                                  42,851,700
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            817,100
<LONG-TERM>                                  4,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,962,200
<OTHER-SE>                                     472,400
<TOTAL-LIABILITIES-AND-EQUITY>               3,434,600
<INTEREST-LOAN>                              2,940,300
<INTEREST-INVEST>                              816,600
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             3,756,900
<INTEREST-DEPOSIT>                           1,357,700
<INTEREST-EXPENSE>                           1,603,300
<INTEREST-INCOME-NET>                        2,153,600
<LOAN-LOSSES>                                  130,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,700,400
<INCOME-PRETAX>                                473,700
<INCOME-PRE-EXTRAORDINARY>                     399,800
<EXTRAORDINARY>                                 64,400
<CHANGES>                                            0
<NET-INCOME>                                   464,200
<EPS-PRIMARY>                                      .49
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                    9.06
<LOANS-NON>                                     57,100
<LOANS-PAST>                                    62,900
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                180,100
<ALLOWANCE-OPEN>                               336,200
<CHARGE-OFFS>                                   75,500
<RECOVERIES>                                    12,600
<ALLOWANCE-CLOSE>                              336,200
<ALLOWANCE-DOMESTIC>                            17,800
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        318,500
        

</TABLE>