<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONDENSED CONSOLIDATED BALANCE SHEETS, STATEMENT OF INCOME, STATEMENT OF CASH
FLOWS, AND STATEMENT OF CHANGES IN SHAREHOLDER EQUITY, AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                           5,545
<INT-BEARING-DEPOSITS>                         134,469
<FED-FUNDS-SOLD>                                25,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     13,165
<INVESTMENTS-CARRYING>                          12,131
<INVESTMENTS-MARKET>                            12,518
<LOANS>                                        123,792
<ALLOWANCE>                                      1,979
<TOTAL-ASSETS>                                 189,336
<DEPOSITS>                                     171,167
<SHORT-TERM>                                        11
<LIABILITIES-OTHER>                                904
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        12,891
<OTHER-SE>                                       4,368
<TOTAL-LIABILITIES-AND-EQUITY>                 189,336
<INTEREST-LOAN>                                  8,403
<INTEREST-INVEST>                                1,936
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                10,339
<INTEREST-DEPOSIT>                               4,116
<INTEREST-EXPENSE>                               4,121
<INTEREST-INCOME-NET>                            6,218
<LOAN-LOSSES>                                      913
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                  5,185
<INCOME-PRETAX>                                  2,127
<INCOME-PRE-EXTRAORDINARY>                       2,127
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,468
<EPS-PRIMARY>                                     0.89
<EPS-DILUTED>                                     0.86
<YIELD-ACTUAL>                                    7.57
<LOANS-NON>                                        315
<LOANS-PAST>                                       596
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,705
<CHARGE-OFFS>                                      802
<RECOVERIES>                                       163
<ALLOWANCE-CLOSE>                                1,979
<ALLOWANCE-DOMESTIC>                             1,979
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>