<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS INFORMATION EXTRACTED FROM THE CONSOLIDATED BALANCE 
SHEET OF THE REGISTRANT AND SUBSIDIARIES AS OF SEPTEMBER 30, 1998 AND THE 
CONSOLIDATED STATEMENTS OF INCOME, STOCKHOLDERS' EQUITY AND CASH FLOWS FOR 
THE NINE MONTH PERIOD ENDED SEPTEMBER 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       4,711,273
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                            12,200,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 44,853,872
<INVESTMENTS-CARRYING>                      15,009,994
<INVESTMENTS-MARKET>                        15,402,000
<LOANS>                                    119,853,382
<ALLOWANCE>                                    911,348
<TOTAL-ASSETS>                             206,656,110
<DEPOSITS>                                 179,767,931
<SHORT-TERM>                                 3,417,717
<LIABILITIES-OTHER>                          1,728,448
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       200,000
<OTHER-SE>                                  21,542,014
<TOTAL-LIABILITIES-AND-EQUITY>             206,656,110
<INTEREST-LOAN>                              7,746,794
<INTEREST-INVEST>                            2,690,810
<INTEREST-OTHER>                               521,439
<INTEREST-TOTAL>                            10,959,043
<INTEREST-DEPOSIT>                           5,725,585
<INTEREST-EXPENSE>                           6,022,775
<INTEREST-INCOME-NET>                        4,936,268
<LOAN-LOSSES>                                  240,000
<SECURITIES-GAINS>                             311,943
<EXPENSE-OTHER>                              3,645,072
<INCOME-PRETAX>                              2,250,838
<INCOME-PRE-EXTRAORDINARY>                   1,641,505
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,641,505
<EPS-PRIMARY>                                     8.80
<EPS-DILUTED>                                     8.80
<YIELD-ACTUAL>                                    3.66
<LOANS-NON>                                    800,000
<LOANS-PAST>                                   297,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,098,038
<CHARGE-OFFS>                                  507,798
<RECOVERIES>                                    81,108
<ALLOWANCE-CLOSE>                              911,348
<ALLOWANCE-DOMESTIC>                           911,348
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>