<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 10QSB 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-31-1997
<PERIOD-START>                             JAN-01-1997
<PERIOD-END>                               JUN-30-1997
<CASH>                                       2,655,500
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,900,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    470,300
<INVESTMENTS-CARRYING>                       4,493,000
<INVESTMENTS-MARKET>                         4,458,000
<LOANS>                                     25,806,600
<ALLOWANCE>                                    262,300
<TOTAL-ASSETS>                              41,271,600
<DEPOSITS>                                  34,804,900
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            382,200
<LONG-TERM>                                  3,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,779,600
<OTHER-SE>                                     304,900
<TOTAL-LIABILITIES-AND-EQUITY>              41,271,600
<INTEREST-LOAN>                              1,337,400
<INTEREST-INVEST>                              270,800
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             1,608,200
<INTEREST-DEPOSIT>                             635,300
<INTEREST-EXPENSE>                             669,300
<INTEREST-INCOME-NET>                          938,900
<LOAN-LOSSES>                                   60,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,594,000
<INCOME-PRETAX>                                175,600
<INCOME-PRE-EXTRAORDINARY>                     175,600
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   130,700
<EPS-PRIMARY>                                     0.13
<EPS-DILUTED>                                     0.13
<YIELD-ACTUAL>                                    9.46
<LOANS-NON>                                    178,000
<LOANS-PAST>                                   195,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                484,400
<ALLOWANCE-OPEN>                               253,500
<CHARGE-OFFS>                                   52,400
<RECOVERIES>                                     1,200
<ALLOWANCE-CLOSE>                              262,300
<ALLOWANCE-DOMESTIC>                            52,100
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        210,200
        

</TABLE>