<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-31-1999
<PERIOD-START>                              JAN-1-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          13,687
<INT-BEARING-DEPOSITS>                         135,643
<FED-FUNDS-SOLD>                                   800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     28,987
<INVESTMENTS-CARRYING>                          11,731
<INVESTMENTS-MARKET>                            11,726
<LOANS>                                        137,494
<ALLOWANCE>                                      1,879
<TOTAL-ASSETS>                                 203,124
<DEPOSITS>                                     182,945
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,313
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,190
<OTHER-SE>                                       4,676
<TOTAL-LIABILITIES-AND-EQUITY>                 203,124
<INTEREST-LOAN>                                  8,079
<INTEREST-INVEST>                                2,209
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                10,288
<INTEREST-DEPOSIT>                               3,789
<INTEREST-EXPENSE>                               3,800
<INTEREST-INCOME-NET>                            6,488
<LOAN-LOSSES>                                    1,025
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,123
<INCOME-PRETAX>                                  2,051
<INCOME-PRE-EXTRAORDINARY>                       2,051
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,484
<EPS-BASIC>                                       0.87
<EPS-DILUTED>                                     0.87
<YIELD-ACTUAL>                                    4.91
<LOANS-NON>                                        553
<LOANS-PAST>                                       177
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,705
<CHARGE-OFFS>                                    1,337
<RECOVERIES>                                       110
<ALLOWANCE-CLOSE>                                1,879
<ALLOWANCE-DOMESTIC>                             1,879
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>