<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENTS 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-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                       9,820,100
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    299,800
<INVESTMENTS-CARRYING>                       2,500,200
<INVESTMENTS-MARKET>                         2,499,500
<LOANS>                                     25,309,500
<ALLOWANCE>                                    253,500
<TOTAL-ASSETS>                              40,799,100
<DEPOSITS>                                  36,167,100
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            733,800
<LONG-TERM>                                  1,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,779,600
<OTHER-SE>                                     118,600
<TOTAL-LIABILITIES-AND-EQUITY>              40,799,100
<INTEREST-LOAN>                              2,676,800
<INTEREST-INVEST>                              463,600
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             3,140,400
<INTEREST-DEPOSIT>                           1,250,900
<INTEREST-EXPENSE>                           1,333,600
<INTEREST-INCOME-NET>                        1,806,800
<LOAN-LOSSES>                                   52,500
<SECURITIES-GAINS>                               5,700
<EXPENSE-OTHER>                              2,444,200
<INCOME-PRETAX>                                293,400
<INCOME-PRE-EXTRAORDINARY>                     293,400
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   213,400
<EPS-PRIMARY>                                     0.21
<EPS-DILUTED>                                     0.21
<YIELD-ACTUAL>                                    9.63
<LOANS-NON>                                     58,000
<LOANS-PAST>                                   223,000
<LOANS-TROUBLED>                                31,800
<LOANS-PROBLEM>                                486,200
<ALLOWANCE-OPEN>                               224,800
<CHARGE-OFFS>                                   44,500
<RECOVERIES>                                    20,700
<ALLOWANCE-CLOSE>                              253,500
<ALLOWANCE-DOMESTIC>                            39,200
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        214,300


</TABLE>