<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF OPERATIONS FROM THE
COMPANY FORM 10-QSB FOR THE YEAR TO DATE AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                       3,609,000
<INT-BEARING-DEPOSITS>                         200,000
<FED-FUNDS-SOLD>                             9,515,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    697,800
<INVESTMENTS-CARRYING>                       7,263,100
<INVESTMENTS-MARKET>                         7,275,600
<LOANS>                                     27,906,800
<ALLOWANCE>                                    296,400
<TOTAL-ASSETS>                              53,676,600
<DEPOSITS>                                  45,701,100
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            472,900
<LONG-TERM>                                  4,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,957,800
<OTHER-SE>                                     544,800
<TOTAL-LIABILITIES-AND-EQUITY>              53,676,600
<INTEREST-LOAN>                                755,600
<INTEREST-INVEST>                              207,800
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               963,400
<INTEREST-DEPOSIT>                             338,600
<INTEREST-EXPENSE>                             399,100
<INTEREST-INCOME-NET>                          564,300
<LOAN-LOSSES>                                   10,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                966,500
<INCOME-PRETAX>                                 88,600
<INCOME-PRE-EXTRAORDINARY>                      88,600
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    76,500
<EPS-PRIMARY>                                     .081
<EPS-DILUTED>                                     .065
<YIELD-ACTUAL>                                    4.95
<LOANS-NON>                                     57,100
<LOANS-PAST>                                    69,700
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                132,200
<ALLOWANCE-OPEN>                               336,200
<CHARGE-OFFS>                                   56,300
<RECOVERIES>                                     6,500
<ALLOWANCE-CLOSE>                              296,400
<ALLOWANCE-DOMESTIC>                           296,400
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>