<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-START>                             JUL-01-1999             JAN-01-1999
<PERIOD-END>                               SEP-30-1999             SEP-30-1999
<CASH>                                               0                   8,578
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                   1,480
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                  36,878
<INVESTMENTS-CARRYING>                               0                   2,705
<INVESTMENTS-MARKET>                                 0                   2,705
<LOANS>                                              0                  94,836
<ALLOWANCE>                                          0                   1,786
<TOTAL-ASSETS>                                       0                 152,265
<DEPOSITS>                                           0                 141,063
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                                  0                     977
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                   7,223
<OTHER-SE>                                           0                   3,443
<TOTAL-LIABILITIES-AND-EQUITY>                       0                 152,265
<INTEREST-LOAN>                                  2,025                   5,720
<INTEREST-INVEST>                                  549                   1,525
<INTEREST-OTHER>                                    65                     353
<INTEREST-TOTAL>                                 2,639                   7,598
<INTEREST-DEPOSIT>                                 816                   2,403
<INTEREST-EXPENSE>                                 818                   2,405
<INTEREST-INCOME-NET>                            1,821                   5,193
<LOAN-LOSSES>                                        0                       0
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  1,612                   4,499
<INCOME-PRETAX>                                    509                   1,598
<INCOME-PRE-EXTRAORDINARY>                         509                   1,598
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       335                   1,036
<EPS-BASIC>                                       0.42                    1.31
<EPS-DILUTED>                                     0.40                    1.23
<YIELD-ACTUAL>                                    5.33                    5.16
<LOANS-NON>                                          0                     527
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 1,785                   1,671
<CHARGE-OFFS>                                        0                      14
<RECOVERIES>                                         1                     129
<ALLOWANCE-CLOSE>                                1,786                   1,786
<ALLOWANCE-DOMESTIC>                             1,786                   1,786
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>