<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MARCH 31,
1999 CONSOLIDATED BALANCE SHEETS, STATEMENTS OF OPERATIONS, STATEMENT OF CHANGES
IN SHAREHOLDERS' EQUITY AND RELATED SCHEDULES AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           6,458
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 6,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     70,332
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         57,374
<ALLOWANCE>                                      2,021
<TOTAL-ASSETS>                                 141,503
<DEPOSITS>                                     103,188
<SHORT-TERM>                                     7,500
<LIABILITIES-OTHER>                                988
<LONG-TERM>                                     14,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      7,350
<COMMON>                                        24,613
<OTHER-SE>                                    (18,636)
<TOTAL-LIABILITIES-AND-EQUITY>                 141,503
<INTEREST-LOAN>                                  1,317
<INTEREST-INVEST>                                1,070
<INTEREST-OTHER>                                    42
<INTEREST-TOTAL>                                 2,429
<INTEREST-DEPOSIT>                                 545
<INTEREST-EXPENSE>                                 815
<INTEREST-INCOME-NET>                            1,614
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,692
<INCOME-PRETAX>                                     81
<INCOME-PRE-EXTRAORDINARY>                          76
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        76
<EPS-PRIMARY>                                     0.11
<EPS-DILUTED>                                     0.03
<YIELD-ACTUAL>                                    5.05
<LOANS-NON>                                      1,335
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,144
<CHARGE-OFFS>                                      175
<RECOVERIES>                                        52
<ALLOWANCE-CLOSE>                                2,021
<ALLOWANCE-DOMESTIC>                             2,021
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>