<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-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                       4,989,300
<INT-BEARING-DEPOSITS>                         200,000
<FED-FUNDS-SOLD>                             2,965,000
<TRADING-ASSETS>                                57,300
<INVESTMENTS-HELD-FOR-SALE>                    744,300
<INVESTMENTS-CARRYING>                       9,291,000
<INVESTMENTS-MARKET>                         9,016,300
<LOANS>                                     33,953,300
<ALLOWANCE>                                    341,000
<TOTAL-ASSETS>                              55,373,300
<DEPOSITS>                                  46,861,200
<SHORT-TERM>                                   357,500
<LIABILITIES-OTHER>                            548,400
<LONG-TERM>                                  4,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,962,200
<OTHER-SE>                                     654,200
<TOTAL-LIABILITIES-AND-EQUITY>              55,373,300
<INTEREST-LOAN>                              1,562,000
<INTEREST-INVEST>                              405,800
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             1,967,800
<INTEREST-DEPOSIT>                             681,200
<INTEREST-EXPENSE>                             807,300
<INTEREST-INCOME-NET>                        1,160,500
<LOAN-LOSSES>                                   80,000
<SECURITIES-GAINS>                               6,800
<EXPENSE-OTHER>                              1,934,300
<INCOME-PRETAX>                                248,400
<INCOME-PRE-EXTRAORDINARY>                     248,400
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   188,700
<EPS-BASIC>                                        .20
<EPS-DILUTED>                                      .16
<YIELD-ACTUAL>                                    5.03
<LOANS-NON>                                     46,500
<LOANS-PAST>                                    68,300
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 92,200
<ALLOWANCE-OPEN>                               336,200
<CHARGE-OFFS>                                   87,400
<RECOVERIES>                                    12,200
<ALLOWANCE-CLOSE>                              341,100
<ALLOWANCE-DOMESTIC>                           341,100
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        326,200


</TABLE>