<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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       2,828,200
<INT-BEARING-DEPOSITS>                         100,000
<FED-FUNDS-SOLD>                             6,690,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    594,500
<INVESTMENTS-CARRYING>                       7,265,600
<INVESTMENTS-MARKET>                         7,358,500
<LOANS>                                     28,185,700
<ALLOWANCE>                                    288,200
<TOTAL-ASSETS>                              49,218,800
<DEPOSITS>                                  41,265,800
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            643,000
<LONG-TERM>                                  4,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,716,800
<OTHER-SE>                                     593,200
<TOTAL-LIABILITIES-AND-EQUITY>              49,218,800
<INTEREST-LOAN>                              2,197,700
<INTEREST-INVEST>                              590,800
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             2,788,500
<INTEREST-DEPOSIT>                           1,019,000
<INTEREST-EXPENSE>                           1,201,900
<INTEREST-INCOME-NET>                        1,586,600
<LOAN-LOSSES>                                   80,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,540,600
<INCOME-PRETAX>                                459,400
<INCOME-PRE-EXTRAORDINARY>                     459,400
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   327,500
<EPS-PRIMARY>                                      .38
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                    9.16
<LOANS-NON>                                      8,900
<LOANS-PAST>                                   258,207
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                320,599
<ALLOWANCE-OPEN>                               269,100
<CHARGE-OFFS>                                   69,900
<RECOVERIES>                                     9,000
<ALLOWANCE-CLOSE>                              288,200
<ALLOWANCE-DOMESTIC>                            18,300
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        269,900
        

</TABLE>