<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
CONSOLIDATED BALANCE SHEET AND CONSOLIDATED STATEMENT OF OPERATIONS FOUND ON
PAGES 2 AND 3 OF THE COMPANY'S 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-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                       3,028,300
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,800,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                       2,795,300
<INVESTMENTS-MARKET>                         2,778,000
<LOANS>                                     25,875,200
<ALLOWANCE>                                    262,500
<TOTAL-ASSETS>                              39,153,700
<DEPOSITS>                                  33,560,600
<SHORT-TERM>                                 2,000,000
<LIABILITIES-OTHER>                            468,600
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,779,600
<OTHER-SE>                                     344,900
<TOTAL-LIABILITIES-AND-EQUITY>              39,153,700
<INTEREST-LOAN>                              2,105,500
<INTEREST-INVEST>                              312,900
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             2,328,400
<INTEREST-DEPOSIT>                             930,500
<INTEREST-EXPENSE>                             999,100
<INTEREST-INCOME-NET>                        1,329,300
<LOAN-LOSSES>                                   45,000
<SECURITIES-GAINS>                               5,700
<EXPENSE-OTHER>                              1,662,900
<INCOME-PRETAX>                                407,200
<INCOME-PRE-EXTRAORDINARY>                     407,200
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   343,300
<EPS-PRIMARY>                                      .34
<EPS-DILUTED>                                      .34
<YIELD-ACTUAL>                                    9.63
<LOANS-NON>                                    110,700
<LOANS-PAST>                                   262,100
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                442,600
<ALLOWANCE-OPEN>                               224,800
<CHARGE-OFFS>                                   19,900
<RECOVERIES>                                    12,600
<ALLOWANCE-CLOSE>                              262,500
<ALLOWANCE-DOMESTIC>                            39,500
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        223,000
        

</TABLE>