<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM JUNE 30,
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>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           7,552
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                17,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     66,237
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         60,804
<ALLOWANCE>                                      2,056
<TOTAL-ASSETS>                                 152,713
<DEPOSITS>                                     120,058
<SHORT-TERM>                                     5,000
<LIABILITIES-OTHER>                              1,105
<LONG-TERM>                                     14,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      7,350
<COMMON>                                        24,614
<OTHER-SE>                                    (19,914)
<TOTAL-LIABILITIES-AND-EQUITY>                 152,713
<INTEREST-LOAN>                                  2,715
<INTEREST-INVEST>                                2,112
<INTEREST-OTHER>                                   146
<INTEREST-TOTAL>                                 4,973
<INTEREST-DEPOSIT>                               1,126
<INTEREST-EXPENSE>                               1,645
<INTEREST-INCOME-NET>                            3,328
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                 (1)
<EXPENSE-OTHER>                                  3,303
<INCOME-PRETAX>                                    333
<INCOME-PRE-EXTRAORDINARY>                         333
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       321
<EPS-BASIC>                                       0.47
<EPS-DILUTED>                                     0.13
<YIELD-ACTUAL>                                    5.08
<LOANS-NON>                                        789
<LOANS-PAST>                                        88
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,144
<CHARGE-OFFS>                                      200
<RECOVERIES>                                       112
<ALLOWANCE-CLOSE>                                2,056
<ALLOWANCE-DOMESTIC>                             2,056
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>