<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
BALANCE SHEETS AND STATEMENTS OF OPERATIONS AND SCHEDULES/TABLES ON
NONPERFORMING ASSETS AND ANALYSIS OF CHANGES IN ALLOWANCE FOR CREDIT LOAN
LOSSES 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>                                           6,410
<INT-BEARING-DEPOSITS>                             250
<FED-FUNDS-SOLD>                                 7,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     65,602
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         61,828
<ALLOWANCE>                                      2,060
<TOTAL-ASSETS>                                 143,580
<DEPOSITS>                                     117,177
<SHORT-TERM>                                     3,500
<LIABILITIES-OTHER>                                  0
<LONG-TERM>                                      8,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      7,350
<COMMON>                                        24,613
<OTHER-SE>                                    (18,326)
<TOTAL-LIABILITIES-AND-EQUITY>                 143,580
<INTEREST-LOAN>                                  4,399
<INTEREST-INVEST>                                2,303
<INTEREST-OTHER>                                   606
<INTEREST-TOTAL>                                 7,308
<INTEREST-DEPOSIT>                               2,129
<INTEREST-EXPENSE>                               2,540
<INTEREST-INCOME-NET>                            4,768
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  39
<EXPENSE-OTHER>                                  4,920
<INCOME-PRETAX>                                    449
<INCOME-PRE-EXTRAORDINARY>                         449
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       441
<EPS-PRIMARY>                                     0.65
<EPS-DILUTED>                                     0.17
<YIELD-ACTUAL>                                    5.19
<LOANS-NON>                                      8,006
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                    49
<LOANS-PROBLEM>                                     41
<ALLOWANCE-OPEN>                                 2,023
<CHARGE-OFFS>                                      346
<RECOVERIES>                                       383
<ALLOWANCE-CLOSE>                                2,060
<ALLOWANCE-DOMESTIC>                             2,060
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>