<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
       
<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997
<PERIOD-START>                             JAN-01-1997             JAN-01-1997             JAN-01-1997
<PERIOD-END>                               MAR-31-1997             JUN-30-1997             SEP-30-1997
<CASH>                                      17,520,433              20,141,286              18,483,726
<INT-BEARING-DEPOSITS>                     217,831,639             218,125,280             231,166,725
<FED-FUNDS-SOLD>                             9,503,000              12,924,000              17,074,000
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                 29,051,455              28,393,561              43,887,311
<INVESTMENTS-CARRYING>                      63,648,380              63,897,480              56,620,480
<INVESTMENTS-MARKET>                        63,185,060              63,773,193              56,728,847
<LOANS>                                    173,779,309             176,490,823             181,757,346
<ALLOWANCE>                                (2,678,343)             (2,345,762)             (2,239,520)
<TOTAL-ASSETS>                             331,520,202             320,475,209             335,829,386
<DEPOSITS>                                 276,641,566             284,749,406             299,268,587
<SHORT-TERM>                                         0                       0                       0
<LIABILITIES-OTHER>                          1,880,927               1,650,856               1,838,220
<LONG-TERM>                                          0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                    11,475,388              11,506,138              11,536,339
<OTHER-SE>                                  21,522,321              22,568,829              23,186,340
<TOTAL-LIABILITIES-AND-EQUITY>             311,520,202             320,475,229             335,829,386
<INTEREST-LOAN>                              4,609,041               9,157,101              13,901,268
<INTEREST-INVEST>                            1,297,620               2,650,908               4,063,701
<INTEREST-OTHER>                               134,539                 271,514                 459,404
<INTEREST-TOTAL>                             6,041,200              12,079,523              18,424,373
<INTEREST-DEPOSIT>                           2,012,248               4,089,626               6,228,045
<INTEREST-EXPENSE>                           2,012,248               4,089,626               6,228,045
<INTEREST-INCOME-NET>                        3,998,952               7,989,896              12,196,328
<LOAN-LOSSES>                                   30,000                  30,000                  30,000
<SECURITIES-GAINS>                                   0                       0                       0
<EXPENSE-OTHER>                              3,367,311               6,677,393               3,865,193
<INCOME-PRETAX>                              1,467,763               2,994,866               4,877,085
<INCOME-PRE-EXTRAORDINARY>                   1,467,763               2,994,866               4,877,085
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                   914,963               1,850,066               2,992,285
<EPS-PRIMARY>                                     0.31                    0.62                    1.01
<EPS-DILUTED>                                     0.30                    0.61                    0.99
<YIELD-ACTUAL>                                    5.92                    5.84                    5.45
<LOANS-NON>                                  1,137,911               1,324,869                 850,155
<LOANS-PAST>                                    11,297                  41,627                       0
<LOANS-TROUBLED>                               216,745                 538,770                 768,406
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                             2,351,221               2,351,221               2,351,221
<CHARGE-OFFS>                                 (88,630)               (441,648)               (569,811)
<RECOVERIES>                                    34,897                  55,334                  77,255
<ALLOWANCE-CLOSE>                            2,678,343               2,345,762               2,239,520
<ALLOWANCE-DOMESTIC>                         2,678,343               2,345,762               2,239,520
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0
        

</TABLE>