<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>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                       3,087,600
<INT-BEARING-DEPOSITS>                         100,000
<FED-FUNDS-SOLD>                             5,255,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    588,100
<INVESTMENTS-CARRYING>                       7,266,200
<INVESTMENTS-MARKET>                         7,197,900
<LOANS>                                     27,468,300
<ALLOWANCE>                                    287,100
<TOTAL-ASSETS>                              47,037,700
<DEPOSITS>                                  39,411,600
<SHORT-TERM>                                 3,000,000
<LIABILITIES-OTHER>                            475,600
<LONG-TERM>                                  1,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,716,800
<OTHER-SE>                                     433,700
<TOTAL-LIABILITIES-AND-EQUITY>              47,037,700
<INTEREST-LOAN>                              1,444,200
<INTEREST-INVEST>                              397,300
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             1,841,500
<INTEREST-DEPOSIT>                             697,100
<INTEREST-EXPENSE>                             800,000
<INTEREST-INCOME-NET>                        1,041,500
<LOAN-LOSSES>                                   80,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,671,700
<INCOME-PRETAX>                                238,800
<INCOME-PRE-EXTRAORDINARY>                     238,800
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   174,500
<EPS-PRIMARY>                                      .20
<EPS-DILUTED>                                      .17
<YIELD-ACTUAL>                                    9.21
<LOANS-NON>                                     13,600
<LOANS-PAST>                                    70,500
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                133,100
<ALLOWANCE-OPEN>                               269,100
<CHARGE-OFFS>                                   67,800
<RECOVERIES>                                     5,900
<ALLOWANCE-CLOSE>                              287,100
<ALLOWANCE-DOMESTIC>                           287,100
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        278,400
        

</TABLE>