<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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               DEC-31-1997
<CASH>                                       3,770,600
<INT-BEARING-DEPOSITS>                         100,000
<FED-FUNDS-SOLD>                             7,290,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    480,200
<INVESTMENTS-CARRYING>                       5,495,300
<INVESTMENTS-MARKET>                         5,500,700
<LOANS>                                     25,874,600
<ALLOWANCE>                                    269,100
<TOTAL-ASSETS>                              46,112,600
<DEPOSITS>                                  39,205,600
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            876,800
<LONG-TERM>                                  3,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,716,800
<OTHER-SE>                                     313,400
<TOTAL-LIABILITIES-AND-EQUITY>              46,112,600
<INTEREST-LOAN>                              2,755,700
<INTEREST-INVEST>                              643,400
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             3,399,100
<INTEREST-DEPOSIT>                           1,321,300
<INTEREST-EXPENSE>                             125,900
<INTEREST-INCOME-NET>                        1,951,900
<LOAN-LOSSES>                                  120,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,504,500
<INCOME-PRETAX>                                401,500
<INCOME-PRE-EXTRAORDINARY>                     225,900
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   225,900
<EPS-PRIMARY>                                      .26
<EPS-DILUTED>                                      .22
<YIELD-ACTUAL>                                    9.44
<LOANS-NON>                                     75,900
<LOANS-PAST>                                   133,845
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                463,500
<ALLOWANCE-OPEN>                               253,500
<CHARGE-OFFS>                                  106,200
<RECOVERIES>                                     1,800
<ALLOWANCE-CLOSE>                              269,100
<ALLOWANCE-DOMESTIC>                            32,200
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        236,900


</TABLE>