<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-START>                             JUL-01-1997             JAN-01-1997
<PERIOD-END>                               SEP-30-1997             SEP-30-1997
<CASH>                                               0                   8,005
<INT-BEARING-DEPOSITS>                               0                   3,267
<FED-FUNDS-SOLD>                                     0                  17,595
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                               0                   1,824
<INVESTMENTS-MARKET>                                 0                   1,815
<LOANS>                                              0                  85,004
<ALLOWANCE>                                          0                   1,530
<TOTAL-ASSETS>                                       0                 119,939
<DEPOSITS>                                           0                 110,853
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                                  0                     710
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                   7,086
<OTHER-SE>                                           0                   1,290
<TOTAL-LIABILITIES-AND-EQUITY>                       0                 119,939
<INTEREST-LOAN>                                  2,223                   6,253
<INTEREST-INVEST>                                   34                      96
<INTEREST-OTHER>                                   311                     866
<INTEREST-TOTAL>                                 2,568                   7,215
<INTEREST-DEPOSIT>                                 773                   2,287
<INTEREST-EXPENSE>                                 773                   2,287
<INTEREST-INCOME-NET>                            1,795                   4,928
<LOAN-LOSSES>                                      102                     306
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  1,500                   4,474
<INCOME-PRETAX>                                    455                     876
<INCOME-PRE-EXTRAORDINARY>                         455                     876
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       271                     520
<EPS-PRIMARY>                                     0.29                    0.56
<EPS-DILUTED>                                        0                       0  
<YIELD-ACTUAL>                                    6.71                    6.22
<LOANS-NON>                                          0                   3,149
<LOANS-PAST>                                         0                     319
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 1,493                   1,405
<CHARGE-OFFS>                                       72                     192
<RECOVERIES>                                         8                      12
<ALLOWANCE-CLOSE>                                1,530                   1,530
<ALLOWANCE-DOMESTIC>                             1,530                   1,530
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>