<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-START>                             JAN-01-1997             JAN-01-1997
<PERIOD-END>                               MAR-31-1997             JUN-30-1997
<CASH>                                             865                     935
<INT-BEARING-DEPOSITS>                           3,830                   1,862
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     49,711                  47,283
<INVESTMENTS-CARRYING>                          49,988                  49,388
<INVESTMENTS-MARKET>                            49,306                  49,122
<LOANS>                                         65,680                  68,476
<ALLOWANCE>                                        500                     500
<TOTAL-ASSETS>                                 177,981                 175,564
<DEPOSITS>                                     127,539                 127,214
<SHORT-TERM>                                     5,000                   6,000
<LIABILITIES-OTHER>                              7,845                   2,802
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                            27                      27
<OTHER-SE>                                      38,598                  39,526
<TOTAL-LIABILITIES-AND-EQUITY>                 177,981                 175,569
<INTEREST-LOAN>                                  1,404                   2,406
<INTEREST-INVEST>                                1,698                   3,409
<INTEREST-OTHER>                                    48                      71
<INTEREST-TOTAL>                                 3,150                   6,386
<INTEREST-DEPOSIT>                               1,498                   2,991
<INTEREST-EXPENSE>                               1,569                   3,171
<INTEREST-INCOME-NET>                            1,581                   3,109
<LOAN-LOSSES>                                        0                       0
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                    925                   1,975
<INCOME-PRETAX>                                    744                   1,438
<INCOME-PRE-EXTRAORDINARY>                         744                   1,438
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       491                     951
<EPS-PRIMARY>                                      .20                     .40
<EPS-DILUTED>                                      .20                     .40
<YIELD-ACTUAL>                                    7.34                    7.40
<LOANS-NON>                                        299                     372
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                   500                     500
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                  500                     500
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            500                     500
        

</TABLE>