<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1996             DEC-31-1995
<PERIOD-START>                             JAN-01-1997             JAN-01-1996             JAN-01-1995
<PERIOD-END>                               DEC-31-1997             DEC-31-1996             DEC-31-1995
<CASH>                                       5,267,333               4,434,697                       0
<INT-BEARING-DEPOSITS>                               0                       0                       0
<FED-FUNDS-SOLD>                             8,910,000               7,275,000                       0
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                 15,957,955              14,326,484                       0
<INVESTMENTS-CARRYING>                       2,494,352               2,992,590                       0
<INVESTMENTS-MARKET>                         2,527,495               3,024,455                       0
<LOANS>                                     84,897,712              71,553,111                       0
<ALLOWANCE>                                    672,563                 681,375                       0
<TOTAL-ASSETS>                             121,850,039             107,379,545                       0
<DEPOSITS>                                 108,106,767              95,233,579                       0
<SHORT-TERM>                                         0                       0                       0
<LIABILITIES-OTHER>                            760,284                 732,030                       0
<LONG-TERM>                                          0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                     1,300,000               1,274,030                       0
<OTHER-SE>                                  11,683,038              10,140,906                       0
<TOTAL-LIABILITIES-AND-EQUITY>             121,850,039             107,379,545                       0
<INTEREST-LOAN>                              6,789,421               5,699,356               5,165,171
<INTEREST-INVEST>                            1,395,713               1,134,881               1,109,958
<INTEREST-OTHER>                               508,539                 524,878                 388,552
<INTEREST-TOTAL>                             8,693,673               7,359,115               6,663,681
<INTEREST-DEPOSIT>                           3,605,404               2,979,998               2,686,408
<INTEREST-EXPENSE>                           3,605,404               2,979,998               2,686,408
<INTEREST-INCOME-NET>                        5,088,269               4,371,353               3,977,273
<LOAN-LOSSES>                                  107,000                  40,000                  59,363
<SECURITIES-GAINS>                               5,457                   (176)                   1,618
<EXPENSE-OTHER>                              3,293,320               2,965,155               2,740,308
<INCOME-PRETAX>                              2,951,334               2,366,646               1,908,690
<INCOME-PRE-EXTRAORDINARY>                   1,894,123               1,538,069               1,211,851
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                 1,844,123               1,538,069               1,211,851
<EPS-PRIMARY>                                     4.04                    3.29                    2.59
<EPS-DILUTED>                                     4.04                    3.29                    2.59
<YIELD-ACTUAL>                                    4.60                    4.64                    4.60
<LOANS-NON>                                    546,442                 686,517                       0
<LOANS-PAST>                                 1,031,000                 739,000                       0
<LOANS-TROUBLED>                                     0                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                               681,375                 661,647                 605,829
<CHARGE-OFFS>                                  116,950                  24,934                   8,429
<RECOVERIES>                                     1,138                   4,662                   4,884
<ALLOWANCE-CLOSE>                              672,563                 681,375                 661,647
<ALLOWANCE-DOMESTIC>                           672,563                 681,375                 661,647
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0


</TABLE>