<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-01-1999             JAN-01-1998
<PERIOD-END>                               SEP-30-1999             SEP-30-1998
<CASH>                                           3,626                   3,085
<INT-BEARING-DEPOSITS>                           3,327                   3,822
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                          67,784                  30,868
<INVESTMENTS-MARKET>                            66,894                  31,091
<LOANS>                                        144,773                 128,582
<ALLOWANCE>                                      1,586                   1,332
<TOTAL-ASSETS>                                 226,712                 172,936
<DEPOSITS>                                     137,912                 140,417
<SHORT-TERM>                                     6,000                   5,000
<LIABILITIES-OTHER>                              3,939                   4,362
<LONG-TERM>                                     30,000                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        28,212                       0
<OTHER-SE>                                      19,536                  23,157
<TOTAL-LIABILITIES-AND-EQUITY>                 226,712                 172,936
<INTEREST-LOAN>                                  7,990                   7,430
<INTEREST-INVEST>                                2,080                   2,003
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                10,070                   8,433
<INTEREST-DEPOSIT>                               4,536                   4,966
<INTEREST-EXPENSE>                               5,039                   5,221
<INTEREST-INCOME-NET>                            5,031                   4,212
<LOAN-LOSSES>                                      270                     350
<SECURITIES-GAINS>                                 146                      85
<EXPENSE-OTHER>                                  5,147                   3,600
<INCOME-PRETAX>                                  (523)                     639
<INCOME-PRE-EXTRAORDINARY>                         119                     432
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       119                     432
<EPS-BASIC>                                     0.13                    0.00
<EPS-DILUTED>                                     0.13                    0.00
<YIELD-ACTUAL>                                    5.54                    5.87
<LOANS-NON>                                      1,205                       0
<LOANS-PAST>                                       160                     218
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  1,149                     631
<ALLOWANCE-OPEN>                                 1,331                     781
<CHARGE-OFFS>                                       15                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                1,586                   1,332
<ALLOWANCE-DOMESTIC>                             1,588                   1,332
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>