<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                                        <C>                     <C>
<PERIOD-TYPE>                                     YEAR                    YEAR
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               DEC-31-1999             DEC-31-1998
<CASH>                                          10,301                   7,820
<INT-BEARING-DEPOSITS>                              47                     100
<FED-FUNDS-SOLD>                                   400                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     22,716                  21,219
<INVESTMENTS-CARRYING>                          11,084                   7,221
<INVESTMENTS-MARKET>                            11,158                   7,602
<LOANS>                                        205,945                 155,122
<ALLOWANCE>                                      2,556                   1,363
<TOTAL-ASSETS>                                 260,822                 202,056
<DEPOSITS>                                     226,185                 176,441
<SHORT-TERM>                                    11,617                   5,075
<LIABILITIES-OTHER>                              2,551                   1,598
<LONG-TERM>                                      1,000                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         2,625                   2,620
<OTHER-SE>                                      16,844                  16,322
<TOTAL-LIABILITIES-AND-EQUITY>                 260,822                 202,056
<INTEREST-LOAN>                                 17,548                  11,049
<INTEREST-INVEST>                                1,759                   1,723
<INTEREST-OTHER>                                   180                     189
<INTEREST-TOTAL>                                19,487                  12,961
<INTEREST-DEPOSIT>                               8,704                   5,739
<INTEREST-EXPENSE>                               9,238                   5,933
<INTEREST-INCOME-NET>                           10,249                   7,028
<LOAN-LOSSES>                                    1,251                     717
<SECURITIES-GAINS>                                (12)                       5
<EXPENSE-OTHER>                                  6,396                   6,538
<INCOME-PRETAX>                                  2,545                   1,155
<INCOME-PRE-EXTRAORDINARY>                       2,545                   1,155
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     1,673                     865
<EPS-BASIC>                                       0.64                    0.35
<EPS-DILUTED>                                     0.60                    0.33
<YIELD-ACTUAL>                                    4.69                    5.04
<LOANS-NON>                                        399                     312
<LOANS-PAST>                                         0                       8
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                    399                     320
<ALLOWANCE-OPEN>                                 1,363                     738
<CHARGE-OFFS>                                       69                     104
<RECOVERIES>                                        11                      12
<ALLOWANCE-CLOSE>                                2,556                   1,363
<ALLOWANCE-DOMESTIC>                             2,556                   1,363
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>