<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 10-KSB FOR 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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               MAR-31-1997
<CASH>                                       7,204,200
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    454,500
<INVESTMENTS-CARRYING>                       4,492,800
<INVESTMENTS-MARKET>                         4,392,300
<LOANS>                                     24,726,400
<ALLOWANCE>                                    249,700
<TOTAL-ASSETS>                              39,582,000
<DEPOSITS>                                  35,177,500
<SHORT-TERM>                                 1,000,000
<LIABILITIES-OTHER>                            396,300
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,779,600
<OTHER-SE>                                     228,600
<TOTAL-LIABILITIES-AND-EQUITY>              39,582,000
<INTEREST-LOAN>                                663,000
<INTEREST-INVEST>                              132,200
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               795,200
<INTEREST-DEPOSIT>                             321,300
<INTEREST-EXPENSE>                             333,300
<INTEREST-INCOME-NET>                          461,900
<LOAN-LOSSES>                                   30,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                755,600
<INCOME-PRETAX>                                 81,300
<INCOME-PRE-EXTRAORDINARY>                      81,300
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    54,800
<EPS-PRIMARY>                                      .05
<EPS-DILUTED>                                      .05
<YIELD-ACTUAL>                                    9.24
<LOANS-NON>                                     55,900
<LOANS-PAST>                                   204,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                474,100
<ALLOWANCE-OPEN>                               253,500
<CHARGE-OFFS>                                   34,500
<RECOVERIES>                                       600
<ALLOWANCE-CLOSE>                              249,600
<ALLOWANCE-DOMESTIC>                            40,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        209,600
        

</TABLE>