<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
BALANCE SHEET AS OF JUNE 30, 1998 AND CONSOLIDATED STATEMENTS OF INCOME,
STOCKHOLDERS' EQUITY AND CASHFLOWS FOR THREE AND SIX MONTH PERIODS ENDED JUNE 
30, 1998 AND 1997, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 
FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-START>                             APR-01-1998             JAN-01-1998
<PERIOD-END>                               JUN-30-1998             JUN-30-1998
<CASH>                                       3,623,609               3,623,609
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                            11,019,000              11,019,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 44,546,949              44,546,949
<INVESTMENTS-CARRYING>                      15,405,530              15,405,530
<INVESTMENTS-MARKET>                        16,070,000              16,070,000
<LOANS>                                    118,267,695             118,267,695
<ALLOWANCE>                                    915,370                 915,370
<TOTAL-ASSETS>                             201,729,668             201,729,668
<DEPOSITS>                                 174,389,244             174,389,244
<SHORT-TERM>                                 4,753,897               4,753,897
<LIABILITIES-OTHER>                          1,494,452               1,494,452
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       200,000                 200,000
<OTHER-SE>                                  20,892,075              20,892,075
<TOTAL-LIABILITIES-AND-EQUITY>             201,729,668             201,729,668
<INTEREST-LOAN>                              2,569,521               5,061,209
<INTEREST-INVEST>                              888,283               1,797,993
<INTEREST-OTHER>                               198,089                 351,192
<INTEREST-TOTAL>                             3,655,893               7,210,394
<INTEREST-DEPOSIT>                           1,934,606               3,765,148
<INTEREST-EXPENSE>                           2,037,703               3,977,022
<INTEREST-INCOME-NET>                        1,618,190               3,233,372
<LOAN-LOSSES>                                  180,000                 210,000
<SECURITIES-GAINS>                             173,426                 308,854
<EXPENSE-OTHER>                              1,242,697               2,440,017
<INCOME-PRETAX>                                688,109               1,493,732
<INCOME-PRE-EXTRAORDINARY>                     515,337               1,094,878
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   515,337               1,094,878
<EPS-PRIMARY>                                     2.76                    5.87
<EPS-DILUTED>                                     2.76                    5.87
<YIELD-ACTUAL>                                    3.57                    3.64
<LOANS-NON>                                    934,000                 934,000
<LOANS-PAST>                                   116,000                 116,000
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                             1,056,181               1,098,038
<CHARGE-OFFS>                                  361,634                 457,494
<RECOVERIES>                                    40,823                  64,826
<ALLOWANCE-CLOSE>                              915,370                 915,370
<ALLOWANCE-DOMESTIC>                           915,370                 915,370
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>