<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENTS OF OPERATIONS FROM THE
COMPANY FORM 10QSB FOR THE YEAR TO DATE IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               SEP-30-1997
<CASH>                                       2,991,200
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             6,800,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    475,000
<INVESTMENTS-CARRYING>                       3,993,200
<INVESTMENTS-MARKET>                         4,002,800
<LOANS>                                     26,678,300
<ALLOWANCE>                                    273,100
<TOTAL-ASSETS>                              43,822,800
<DEPOSITS>                                  37,223,600
<SHORT-TERM>                                 3,000,000
<LIABILITIES-OTHER>                            408,100
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,716,800
<OTHER-SE>                                     474,300
<TOTAL-LIABILITIES-AND-EQUITY>              43,822,800
<INTEREST-LOAN>                              2,054,800
<INTEREST-INVEST>                              436,600
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             2,491,400
<INTEREST-DEPOSIT>                             971,600
<INTEREST-EXPENSE>                           1,051,600
<INTEREST-INCOME-NET>                        1,439,800
<LOAN-LOSSES>                                  120,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,825,900
<INCOME-PRETAX>                                346,800
<INCOME-PRE-EXTRAORDINARY>                     282,300
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   282,300
<EPS-PRIMARY>                                      .27
<EPS-DILUTED>                                      .27
<YIELD-ACTUAL>                                    9.46
<LOANS-NON>                                    122,900
<LOANS-PAST>                                   195,500
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                444,500
<ALLOWANCE-OPEN>                               253,500
<CHARGE-OFFS>                                  102,200
<RECOVERIES>                                     1,700
<ALLOWANCE-CLOSE>                              273,000
<ALLOWANCE-DOMESTIC>                            34,800
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        238,200
        

</TABLE>