<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENT OF CONDITION AND CONSOLIDATED STATEMENT OF EARNINGS FROM
THE COMPANY FORM 10-KSB FOR THE YEAR TO DATE AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                       5,230,412
<INT-BEARING-DEPOSITS>                       3,612,012
<FED-FUNDS-SOLD>                             2,150,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  7,793,424
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     52,963,329
<ALLOWANCE>                                    581,430
<TOTAL-ASSETS>                              76,007,045
<DEPOSITS>                                  69,139,598
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            539,631
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,708,112
<OTHER-SE>                                   3,619,704
<TOTAL-LIABILITIES-AND-EQUITY>              76,007,045
<INTEREST-LOAN>                              5,099,751
<INTEREST-INVEST>                              876,326
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             5,976,077
<INTEREST-DEPOSIT>                           1,585,840
<INTEREST-EXPENSE>                           1,585,840
<INTEREST-INCOME-NET>                        4,390,237
<LOAN-LOSSES>                                  225,000
<SECURITIES-GAINS>                               2,317
<EXPENSE-OTHER>                              3,114,604
<INCOME-PRETAX>                              1,048,316
<INCOME-PRE-EXTRAORDINARY>                   1,048,316
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   729,192
<EPS-BASIC>                                       1.09
<EPS-DILUTED>                                     1.02
<YIELD-ACTUAL>                                    9.47
<LOANS-NON>                                     60,671
<LOANS-PAST>                                   577,289
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,432,893
<ALLOWANCE-OPEN>                               433,475
<CHARGE-OFFS>                                   96,442
<RECOVERIES>                                    19,397
<ALLOWANCE-CLOSE>                              581,430
<ALLOWANCE-DOMESTIC>                           581,430
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>