<TABLE> <S> <C>

<PAGE>


<ARTICLE> 9


<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-START>                             APR-01-1999             JAN-01-1999
<PERIOD-END>                               JUN-30-1999             JUN-30-1999
<CASH>                                               0              34,529,256
<INT-BEARING-DEPOSITS>                               0               1,154,256
<FED-FUNDS-SOLD>                                     0               4,400,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0              47,989,575
<INVESTMENTS-CARRYING>                               0              20,755,274
<INVESTMENTS-MARKET>                                 0              20,559,000
<LOANS>                                              0             143,719,082
<ALLOWANCE>                                          0               1,813,460
<TOTAL-ASSETS>                                       0             253,783,224
<DEPOSITS>                                           0             226,331,556
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                                  0               2,090,636
<LONG-TERM>                                          0                 868,000
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             0                  16,683
<OTHER-SE>                                           0              24,476,348
<TOTAL-LIABILITIES-AND-EQUITY>                       0             253,783,224
<INTEREST-LOAN>                              3,193,827               6,078,173
<INTEREST-INVEST>                            1,057,459               2,379,203
<INTEREST-OTHER>                               167,508                 282,361
<INTEREST-TOTAL>                             4,418,793               8,739,736
<INTEREST-DEPOSIT>                             737,257               1,461,101
<INTEREST-EXPENSE>                              13,242                 138,526
<INTEREST-INCOME-NET>                        3,668,294               7,140,109
<LOAN-LOSSES>                                1,047,000               1,172,000
<SECURITIES-GAINS>                               4,266                  39,610
<EXPENSE-OTHER>                              3,604,439               6,898,551
<INCOME-PRETAX>                              (535,591)                  33,256
<INCOME-PRE-EXTRAORDINARY>                   (535,591)                  33,256
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                 (259,332)                  76,211
<EPS-BASIC>                                     (0.13)                    0.04
<EPS-DILUTED>                                   (0.12)                    0.04
<YIELD-ACTUAL>                                    6.50                    6.34
<LOANS-NON>                                          0               2,301,000
<LOANS-PAST>                                         0               1,579,000
<LOANS-TROUBLED>                                     0               1,213,000
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0               2,200,000
<CHARGE-OFFS>                                        0               1,636,000
<RECOVERIES>                                         0                  77,000
<ALLOWANCE-CLOSE>                                    0               1,813,000
<ALLOWANCE-DOMESTIC>                                 0               1,172,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>