<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-START>                             JUL-01-1998             JAN-01-1998
<PERIOD-END>                               SEP-30-1998             SEP-30-1998
<CASH>                                               0                   7,647
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                   7,275
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                  32,939
<INVESTMENTS-CARRYING>                               0                   1,798
<INVESTMENTS-MARKET>                                 0                   1,798
<LOANS>                                              0                  81,985
<ALLOWANCE>                                          0                   1,658
<TOTAL-ASSETS>                                       0                 135,710
<DEPOSITS>                                           0                 125,402
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                                  0                     764
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                   7,207
<OTHER-SE>                                           0                   2,337
<TOTAL-LIABILITIES-AND-EQUITY>                       0                 135,710
<INTEREST-LOAN>                                  2,010                   6,043
<INTEREST-INVEST>                                  533                   1,330
<INTEREST-OTHER>                                   100                     527
<INTEREST-TOTAL>                                 2,643                   7,900
<INTEREST-DEPOSIT>                                 879                   2,627
<INTEREST-EXPENSE>                                 879                   2,627
<INTEREST-INCOME-NET>                            1,764                   5,273
<LOAN-LOSSES>                                       75                     265
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  1,680                   4,515
<INCOME-PRETAX>                                    318                   1,354
<INCOME-PRE-EXTRAORDINARY>                         318                   1,354
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       206                     836
<EPS-PRIMARY>                                     0.26                    1.07
<EPS-DILUTED>                                     0.25                    1.01
<YIELD-ACTUAL>                                    5.69                    5.69
<LOANS-NON>                                          0                   1,422
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 1,617                   1,566
<CHARGE-OFFS>                                       40                     244
<RECOVERIES>                                         6                      71
<ALLOWANCE-CLOSE>                                1,658                   1,658
<ALLOWANCE-DOMESTIC>                             1,658                   1,658
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>