<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED STATEMENT OF FINANCIAL CONDITION AND THE CONSOLIDATED
CONDENSED STATEMENT OF INCOME AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                       1,532,558
<INT-BEARING-DEPOSITS>                      10,529,198
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 52,292,839
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    253,519,327
<ALLOWANCE>                                  2,704,152
<TOTAL-ASSETS>                             334,416,071
<DEPOSITS>                                 245,721,303
<SHORT-TERM>                                10,000,000
<LIABILITIES-OTHER>                          2,134,112
<LONG-TERM>                                 27,804,569
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        40,111
<OTHER-SE>                                  48,715,976
<TOTAL-LIABILITIES-AND-EQUITY>             334,416,071
<INTEREST-LOAN>                              5,099,590
<INTEREST-INVEST>                              867,178
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             5,966,768
<INTEREST-DEPOSIT>                           2,665,780
<INTEREST-EXPENSE>                           3,199,515
<INTEREST-INCOME-NET>                        2,767,253
<LOAN-LOSSES>                                   30,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,054,309
<INCOME-PRETAX>                              1,603,193
<INCOME-PRE-EXTRAORDINARY>                   1,603,193
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,057,692
<EPS-PRIMARY>                                     0.37
<EPS-DILUTED>                                     0.36
<YIELD-ACTUAL>                                    7.56
<LOANS-NON>                                    290,941
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,676,438
<CHARGE-OFFS>                                    2,286
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            2,704,152
<ALLOWANCE-DOMESTIC>                         2,704,152
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>