<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>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                       2,550,300
<INT-BEARING-DEPOSITS>                         100,000
<FED-FUNDS-SOLD>                             5,670,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    582,000
<INVESTMENTS-CARRYING>                       7,767,200
<INVESTMENTS-MARKET>                         7,686,400
<LOANS>                                     26,215,400
<ALLOWANCE>                                    280,900
<TOTAL-ASSETS>                              46,142,900
<DEPOSITS>                                  38,598,100
<SHORT-TERM>                                 3,000,000
<LIABILITIES-OTHER>                            437,800
<LONG-TERM>                                  1,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,716,800
<OTHER-SE>                                     390,200
<TOTAL-LIABILITIES-AND-EQUITY>               3,107,000
<INTEREST-LOAN>                                696,500
<INTEREST-INVEST>                              207,600
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               904,100
<INTEREST-DEPOSIT>                             342,700
<INTEREST-EXPENSE>                             402,300
<INTEREST-INCOME-NET>                          501,800
<LOAN-LOSSES>                                   10,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                825,500
<INCOME-PRETAX>                                851,200
<INCOME-PRE-EXTRAORDINARY>                     851,200
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    76,600
<EPS-PRIMARY>                                     .089
<EPS-DILUTED>                                     .076
<YIELD-ACTUAL>                                    9.08
<LOANS-NON>                                    112,300
<LOANS-PAST>                                    70,500
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                290,000
<ALLOWANCE-OPEN>                               269,100
<CHARGE-OFFS>                                    1,000
<RECOVERIES>                                     2,800
<ALLOWANCE-CLOSE>                              280,900
<ALLOWANCE-DOMESTIC>                            32,700
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        248,200
        

</TABLE>