<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-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       3,862,000
<INT-BEARING-DEPOSITS>                         200,000
<FED-FUNDS-SOLD>                             3,040,000
<TRADING-ASSETS>                               101,100
<INVESTMENTS-HELD-FOR-SALE>                  1,741,400
<INVESTMENTS-CARRYING>                       9,290,900
<INVESTMENTS-MARKET>                         8,635,000
<LOANS>                                     37,458,400
<ALLOWANCE>                                    372,700
<TOTAL-ASSETS>                              59,356,600
<DEPOSITS>                                  50,354,600
<SHORT-TERM>                                   500,000
<LIABILITIES-OTHER>                            704,400
<LONG-TERM>                                  4,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     3,060,000
<OTHER-SE>                                     737,600
<TOTAL-LIABILITIES-AND-EQUITY>              59,356,600
<INTEREST-LOAN>                              2,501,800
<INTEREST-INVEST>                              598,900
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             3,100,700
<INTEREST-DEPOSIT>                           1,060,800
<INTEREST-EXPENSE>                           1,260,000
<INTEREST-INCOME-NET>                        1,840,700
<LOAN-LOSSES>                                  110,000
<SECURITIES-GAINS>                               6,800
<EXPENSE-OTHER>                              3,118,200
<INCOME-PRETAX>                                439,000
<INCOME-PRE-EXTRAORDINARY>                     439,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   333,600
<EPS-BASIC>                                       0.35
<EPS-DILUTED>                                     0.29
<YIELD-ACTUAL>                                    5.21
<LOANS-NON>                                     46,900
<LOANS-PAST>                                    62,900
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 92,300
<ALLOWANCE-OPEN>                               336,200
<CHARGE-OFFS>                                   88,400
<RECOVERIES>                                    14,900
<ALLOWANCE-CLOSE>                              372,800
<ALLOWANCE-DOMESTIC>                            10,300
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        362,500


</TABLE>