<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET, STATEMENT OF INCOME, STATEMENT OF CASH FLOWS, AND
STATEMENT OF CHANGES IN SHAREHOLDER EQUITY, AND IS QUALIFIED IN TS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           7,919
<INT-BEARING-DEPOSITS>                         141,306
<FED-FUNDS-SOLD>                                 5,200
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     41,812
<INVESTMENTS-CARRYING>                          12,746
<INVESTMENTS-MARKET>                            13,038
<LOANS>                                        119,066
<ALLOWANCE>                                      1,946
<TOTAL-ASSETS>                                 198,432
<DEPOSITS>                                     178,602
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,545
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,163
<OTHER-SE>                                       5,285
<TOTAL-LIABILITIES-AND-EQUITY>                 198,432
<INTEREST-LOAN>                                  2,585
<INTEREST-INVEST>                                  830
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 3,415
<INTEREST-DEPOSIT>                               1,342
<INTEREST-EXPENSE>                               1,342
<INTEREST-INCOME-NET>                            2,073
<LOAN-LOSSES>                                      425
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,878
<INCOME-PRETAX>                                    549
<INCOME-PRE-EXTRAORDINARY>                         549
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       376
<EPS-PRIMARY>                                     0.23
<EPS-DILUTED>                                     0.22
<YIELD-ACTUAL>                                   4.530
<LOANS-NON>                                      1,553
<LOANS-PAST>                                       251
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,757
<ALLOWANCE-OPEN>                                 2,081
<CHARGE-OFFS>                                      603
<RECOVERIES>                                        43
<ALLOWANCE-CLOSE>                                1,946
<ALLOWANCE-DOMESTIC>                             1,946
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>