<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF OPERATIONS FROM THE
COMPANY FORM 10-KSB FOR THE YEAR TO DATE AND IS QUALIFIED IN ITS ENTIRIETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                      10,745,200
<INT-BEARING-DEPOSITS>                         200,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                               135,000
<INVESTMENTS-HELD-FOR-SALE>                  1,723,100
<INVESTMENTS-CARRYING>                       9,290,300
<INVESTMENTS-MARKET>                         8,576,800
<LOANS>                                     39,217,400
<ALLOWANCE>                                    400,000
<TOTAL-ASSETS>                              65,214,400
<DEPOSITS>                                  55,562,600
<SHORT-TERM>                                 1,750,000
<LIABILITIES-OTHER>                            908,800
<LONG-TERM>                                  3,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     3,395,400
<OTHER-SE>                                     597,600
<TOTAL-LIABILITIES-AND-EQUITY>               3,993,000
<INTEREST-LOAN>                              3,474,100
<INTEREST-INVEST>                              821,600
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             4,295,700
<INTEREST-DEPOSIT>                           1,515,800
<INTEREST-EXPENSE>                           1,761,100
<INTEREST-INCOME-NET>                        2,534,600
<LOAN-LOSSES>                                  174,200
<SECURITIES-GAINS>                                 600
<EXPENSE-OTHER>                              2,986,300
<INCOME-PRETAX>                                600,800
<INCOME-PRE-EXTRAORDINARY>                     600,800
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   453,800
<EPS-BASIC>                                       0.43
<EPS-DILUTED>                                     0.36
<YIELD-ACTUAL>                                    8.47
<LOANS-NON>                                    124,700
<LOANS-PAST>                                    62,900
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 93,300
<ALLOWANCE-OPEN>                               336,200
<CHARGE-OFFS>                                  128,600
<RECOVERIES>                                    18,200
<ALLOWANCE-CLOSE>                              400,000
<ALLOWANCE-DOMESTIC>                            39,700
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        360,300


</TABLE>