<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONDENSED CONSOLIDATED BALANCE SHEET, 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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                           5,920
<INT-BEARING-DEPOSITS>                         119,719
<FED-FUNDS-SOLD>                                 8,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     18,788
<INVESTMENTS-CARRYING>                          10,294
<INVESTMENTS-MARKET>                            10,532
<LOANS>                                        118,580
<ALLOWANCE>                                      1,152
<TOTAL-ASSETS>                                 169,882
<DEPOSITS>                                     153,018
<SHORT-TERM>                                       320
<LIABILITIES-OTHER>                                849
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        12,275
<OTHER-SE>                                       3,403
<TOTAL-LIABILITIES-AND-EQUITY>                 169,882
<INTEREST-LOAN>                                  7,323
<INTEREST-INVEST>                                1,900
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 9,223
<INTEREST-DEPOSIT>                               3,847
<INTEREST-EXPENSE>                               3,859
<INTEREST-INCOME-NET>                            5,364
<LOAN-LOSSES>                                      850
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                  4,241
<INCOME-PRETAX>                                  1,810
<INCOME-PRE-EXTRAORDINARY>                       1,810
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,242
<EPS-PRIMARY>                                     0.74
<EPS-DILUTED>                                     0.77
<YIELD-ACTUAL>                                    8.42
<LOANS-NON>                                        556
<LOANS-PAST>                                       297
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   950
<CHARGE-OFFS>                                      668
<RECOVERIES>                                        20
<ALLOWANCE-CLOSE>                                1,152
<ALLOWANCE-DOMESTIC>                             1,152
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>