<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM [identify
specific financial statements here] THE CONSOLIDATED BALANCE SHEET AND
CONSOLIDATED STATEMENTS OF OPERATIONS FROM THE COMPANY FORM 10-KSB FOR YEAR TO
DATE AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997
<PERIOD-START>                             JAN-01-1997             JAN-01-1997             JAN-01-1997
<PERIOD-END>                               MAR-31-1997             JUN-30-1997             SEP-30-1997
<CASH>                                       7,204,200               2,655,500               2,991,200
<INT-BEARING-DEPOSITS>                               0                       0                       0
<FED-FUNDS-SOLD>                                     0               4,900,000               6,800,000
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                    454,500                 470,300                 475,000
<INVESTMENTS-CARRYING>                       4,492,800               4,493,000               3,993,200
<INVESTMENTS-MARKET>                         4,392,300               4,458,000               4,002,800
<LOANS>                                     24,726,400              25,806,600              26,678,300
<ALLOWANCE>                                    249,700                 262,300                 273,100
<TOTAL-ASSETS>                              39,582,000              41,271,600              43,822,800
<DEPOSITS>                                  35,177,500              34,804,900              37,223,600
<SHORT-TERM>                                 1,000,000                       0               3,000,000
<LIABILITIES-OTHER>                            396,300                 382,200                 408,100
<LONG-TERM>                                          0               3,000,000                       0
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                     2,779,600               2,779,600               2,716,800
<OTHER-SE>                                     228,600                 304,900                 474,300
<TOTAL-LIABILITIES-AND-EQUITY>              39,582,000              41,271,600              43,822,800
<INTEREST-LOAN>                                663,000               1,337,400               2,054,800
<INTEREST-INVEST>                              132,200                 270,800                 436,600
<INTEREST-OTHER>                                     0                       0                       0
<INTEREST-TOTAL>                               795,200               1,608,200               2,491,400
<INTEREST-DEPOSIT>                             321,300                 635,300                 971,600
<INTEREST-EXPENSE>                             333,300                 669,300               1,051,600
<INTEREST-INCOME-NET>                          461,900                 938,900               1,439,800
<LOAN-LOSSES>                                   30,000                  60,000                 120,000
<SECURITIES-GAINS>                                   0                       0                       0
<EXPENSE-OTHER>                                755,600               1,594,000               1,825,900
<INCOME-PRETAX>                                 81,300                 175,600                 346,800
<INCOME-PRE-EXTRAORDINARY>                      81,300                 175,600                 282,300
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                    54,800                 130,700                 282,300
<EPS-PRIMARY>                                     .062                    .149                    .324
<EPS-DILUTED>                                     .054                    .127                    .272
<YIELD-ACTUAL>                                    9.24                    9.46                    9.46
<LOANS-NON>                                     55,900                 178,000                 122,900
<LOANS-PAST>                                   204,000                 195,000                 195,500
<LOANS-TROUBLED>                                     0                       0                       0
<LOANS-PROBLEM>                                474,100                 484,400                 444,500
<ALLOWANCE-OPEN>                               253,500                 253,500                 253,500
<CHARGE-OFFS>                                   34,500                  52,400                 102,200
<RECOVERIES>                                       600                   1,200                   1,700
<ALLOWANCE-CLOSE>                              249,600                 262,300                 273,000
<ALLOWANCE-DOMESTIC>                            40,000                  52,100                  34,800
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                        209,600                 210,200                 238,200


</TABLE>