<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MARCH 31,
1998 CONSOLIDATED BALANCE SHEET, PROFIT & LOSS AND CHANGES IN SHAREHOLDERS'
EQUITY STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                           6,015
<INT-BEARING-DEPOSITS>                             250
<FED-FUNDS-SOLD>                                11,700
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     44,345
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         59,242
<ALLOWANCE>                                      1,953
<TOTAL-ASSETS>                                 123,288
<DEPOSITS>                                     103,535
<SHORT-TERM>                                     6,500
<LIABILITIES-OTHER>                                787
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      7,350
<COMMON>                                        24,613
<OTHER-SE>                                    (19,497)
<TOTAL-LIABILITIES-AND-EQUITY>                 123,288
<INTEREST-LOAN>                                  1,504
<INTEREST-INVEST>                                  658
<INTEREST-OTHER>                                   191
<INTEREST-TOTAL>                                 2,353
<INTEREST-DEPOSIT>                                 689
<INTEREST-EXPENSE>                                 798
<INTEREST-INCOME-NET>                            1,555
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                  1,591
<INCOME-PRETAX>                                    195
<INCOME-PRE-EXTRAORDINARY>                         195
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       195
<EPS-PRIMARY>                                     0.29
<EPS-DILUTED>                                     0.08
<YIELD-ACTUAL>                                    5.52
<LOANS-NON>                                      1,581
<LOANS-PAST>                                     6,190
<LOANS-TROUBLED>                                    62
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,023
<CHARGE-OFFS>                                       88
<RECOVERIES>                                        18
<ALLOWANCE-CLOSE>                                1,953
<ALLOWANCE-DOMESTIC>                             1,953
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>