<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               SEP-30-2000             SEP-30-1999
<CASH>                                           2,293                   3,297
<INT-BEARING-DEPOSITS>                           2,172                   3,286
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     49,042                  63,749
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        172,682                 153,693
<ALLOWANCE>                                      1,944                   1,839
<TOTAL-ASSETS>                                 237,938                 230,741
<DEPOSITS>                                     157,038                 147,540
<SHORT-TERM>                                    31,500                  32,000
<LIABILITIES-OTHER>                              3,749                   3,708
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        25,827                  27,335
<OTHER-SE>                                      19,771                  19,833
<TOTAL-LIABILITIES-AND-EQUITY>                 237,938                 230,741
<INTEREST-LOAN>                                  9,852                   7,990
<INTEREST-INVEST>                                3,152                   2,060
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                13,004                  10,070
<INTEREST-DEPOSIT>                               5,530                   4,536
<INTEREST-EXPENSE>                               7,097                   5,039
<INTEREST-INCOME-NET>                            5,907                   5,031
<LOAN-LOSSES>                                      305                     270
<SECURITIES-GAINS>                                (20)                     146
<EXPENSE-OTHER>                                  4,388                   5,015
<INCOME-PRETAX>                                  1,660                     261
<INCOME-PRE-EXTRAORDINARY>                       1,660                     261
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,130                     119
<EPS-BASIC>                                      0.680                   0.130
<EPS-DILUTED>                                    0.680                   0.130
<YIELD-ACTUAL>                                    5.84                    5.59
<LOANS-NON>                                        779                   1,205
<LOANS-PAST>                                       225                     160
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  3,825                   1,149
<ALLOWANCE-OPEN>                                 1,839                   1,331
<CHARGE-OFFS>                                      225                      15
<RECOVERIES>                                        25                       0
<ALLOWANCE-CLOSE>                                1,944                   1,586
<ALLOWANCE-DOMESTIC>                             1,944                   1,586
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>