<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10Q -
3RD QUARTER AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<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                  31,517
<INT-BEARING-DEPOSITS>                               0                     264
<FED-FUNDS-SOLD>                                     0                  25,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                  56,615
<INVESTMENTS-CARRYING>                               0                  26,485
<INVESTMENTS-MARKET>                                 0                  83,398
<LOANS>                                              0                 105,756
<ALLOWANCE>                                          0                   1,885
<TOTAL-ASSETS>                                       0                 252,840
<DEPOSITS>                                           0                 223,992
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                                  0                   2,619
<LONG-TERM>                                          0                   1,130
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                      17
<OTHER-SE>                                           0                  25,081
<TOTAL-LIABILITIES-AND-EQUITY>                       0                 252,840
<INTEREST-LOAN>                                  2,597                   7,575
<INTEREST-INVEST>                                1,143                   3,499
<INTEREST-OTHER>                                   603                   1,398
<INTEREST-TOTAL>                                 4,343                  12,472
<INTEREST-DEPOSIT>                                 856                   2,461
<INTEREST-EXPENSE>                                (63)                     130
<INTEREST-INCOME-NET>                            3,549                   9,881
<LOAN-LOSSES>                                        0                       0
<SECURITIES-GAINS>                                   0                     (9)
<EXPENSE-OTHER>                                  3,096                   9,524
<INCOME-PRETAX>                                    871                   1,702
<INCOME-PRE-EXTRAORDINARY>                         871                   1,702
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       512                   1,041
<EPS-PRIMARY>                                     0.26                    0.62
<EPS-DILUTED>                                     0.22                    0.52
<YIELD-ACTUAL>                                    6.31                    6.13
<LOANS-NON>                                          0                     581
<LOANS-PAST>                                         0                     619
<LOANS-TROUBLED>                                     0                     875
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0                   1,802
<CHARGE-OFFS>                                        0                     123
<RECOVERIES>                                         0                     206
<ALLOWANCE-CLOSE>                                    0                   1,885
<ALLOWANCE-DOMESTIC>                                 0                   1,885
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>