<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 FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           6,134
<INT-BEARING-DEPOSITS>                         124,310
<FED-FUNDS-SOLD>                                18,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     15,080
<INVESTMENTS-CARRYING>                          11,096
<INVESTMENTS-MARKET>                            11,342
<LOANS>                                        118,675
<ALLOWANCE>                                      1,937
<TOTAL-ASSETS>                                 178,464
<DEPOSITS>                                     160,549
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,305
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        12,717
<OTHER-SE>                                       3,893
<TOTAL-LIABILITIES-AND-EQUITY>                  16,610
<INTEREST-LOAN>                                  5,540
<INTEREST-INVEST>                                1,248
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 6,788
<INTEREST-DEPOSIT>                               2,667
<INTEREST-EXPENSE>                               2,667
<INTEREST-INCOME-NET>                            4,121
<LOAN-LOSSES>                                      695
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  3,333
<INCOME-PRETAX>                                  1,423
<INCOME-PRE-EXTRAORDINARY>                       1,423
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       974
<EPS-PRIMARY>                                     0.59
<EPS-DILUTED>                                     0.57
<YIELD-ACTUAL>                                   3,980
<LOANS-NON>                                        328
<LOANS-PAST>                                       522
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,757
<ALLOWANCE-OPEN>                                 1,705
<CHARGE-OFFS>                                      566
<RECOVERIES>                                       103
<ALLOWANCE-CLOSE>                                1,937
<ALLOWANCE-DOMESTIC>                             1,937
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>