<TABLE> <S> <C>

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

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1998             JAN-01-1998
<PERIOD-END>                               JUN-30-1999             JUN-30-1998
<CASH>                                           4,440                   3,822
<INT-BEARING-DEPOSITS>                           7,130                   3,822
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                          39,295                  30,868
<INVESTMENTS-MARKET>                            38,628                  31,091
<LOANS>                                        137,281                 128,561
<ALLOWANCE>                                      1,496                   1,332
<TOTAL-ASSETS>                                 194,543                 172,936
<DEPOSITS>                                     137,912                 140,417
<SHORT-TERM>                                     5,000                   5,000
<LIABILITIES-OTHER>                              4,241                   4,362
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        25,206                       0
<OTHER-SE>                                      22,184                  23,157
<TOTAL-LIABILITIES-AND-EQUITY>                 194,543                 172,936
<INTEREST-LOAN>                                  5,298                   5,149
<INTEREST-INVEST>                                1,042                   1,109
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                 6,340                   6,258
<INTEREST-DEPOSIT>                               3,072                   3,311
<INTEREST-EXPENSE>                               3,203                   3,484
<INTEREST-INCOME-NET>                            3,137                   2,774
<LOAN-LOSSES>                                      180                     200
<SECURITIES-GAINS>                                 136                      55
<EXPENSE-OTHER>                                  3,928                   1,812
<INCOME-PRETAX>                                  (523)                     999
<INCOME-PRE-EXTRAORDINARY>                       (379)                     602
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     (379)                     602
<EPS-BASIC>                                     (0.16)                    0.00
<EPS-DILUTED>                                   (0.16)                    0.00
<YIELD-ACTUAL>                                    3.79                    3.93
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                     1,301                     239
<LOANS-TROUBLED>                                     7                       0
<LOANS-PROBLEM>                                  2,818                   1,322
<ALLOWANCE-OPEN>                                 1,331                     781
<CHARGE-OFFS>                                       15                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                1,496                     981
<ALLOWANCE-DOMESTIC>                             1,406                     981
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>