<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 ITS ENTIRETY BY
REFERENCE TO SUCH STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          11,277
<INT-BEARING-DEPOSITS>                         134,666
<FED-FUNDS-SOLD>                                 8,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     29,101
<INVESTMENTS-CARRYING>                          12,141
<INVESTMENTS-MARKET>                            12,166
<LOANS>                                        124,072
<ALLOWANCE>                                      1,619
<TOTAL-ASSETS>                                 195,722
<DEPOSITS>                                     177,070
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,843
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,178
<OTHER-SE>                                       3,891
<TOTAL-LIABILITIES-AND-EQUITY>                  17,008
<INTEREST-LOAN>                                  5,240
<INTEREST-INVEST>                                1,571
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 6,811
<INTEREST-DEPOSIT>                               2,591
<INTEREST-EXPENSE>                               2,591
<INTEREST-INCOME-NET>                            4,220
<LOAN-LOSSES>                                      725
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,652
<INCOME-PRETAX>                                  1,222
<INCOME-PRE-EXTRAORDINARY>                       1,222
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       886
<EPS-BASIC>                                       0.53
<EPS-DILUTED>                                     0.52
<YIELD-ACTUAL>                                   4,655
<LOANS-NON>                                        072
<LOANS-PAST>                                       223
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,266
<ALLOWANCE-OPEN>                                 2,081
<CHARGE-OFFS>                                    1,257
<RECOVERIES>                                        70
<ALLOWANCE-CLOSE>                                1,619
<ALLOWANCE-DOMESTIC>                             1,619
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>