<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM JUNE 30,
1998 CONSOLIDATED BALANCE SHEETS AND STATEMENTS OF OPERATIONS AND SCHEDULES ON
AVERAGE BALANCE SHEET AND ANALYSIS OF NET INTEREST INCOME FOR SIX-MONTH PERIODS,
ANALYSIS ON CHANGES IN ALLOWANCE FOR CREDIT LOSSES AND NONPERFORMING ASSETS AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           7,083
<INT-BEARING-DEPOSITS>                             250
<FED-FUNDS-SOLD>                                14,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     47,973
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         60,294
<ALLOWANCE>                                      2,089
<TOTAL-ASSETS>                                 132,170
<DEPOSITS>                                     111,935
<SHORT-TERM>                                     6,500
<LIABILITIES-OTHER>                                952
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      7,350
<COMMON>                                        24,613
<OTHER-SE>                                    (19,180)
<TOTAL-LIABILITIES-AND-EQUITY>                 132,170
<INTEREST-LOAN>                                  2,938
<INTEREST-INVEST>                                1,385
<INTEREST-OTHER>                                   407
<INTEREST-TOTAL>                                 4,730
<INTEREST-DEPOSIT>                               1,387
<INTEREST-EXPENSE>                               1,601
<INTEREST-INCOME-NET>                            3,129
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  38
<EXPENSE-OTHER>                                  3,234
<INCOME-PRETAX>                                    341
<INCOME-PRE-EXTRAORDINARY>                         339
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       339
<EPS-PRIMARY>                                     0.50
<EPS-DILUTED>                                     0.13
<YIELD-ACTUAL>                                    5.39
<LOANS-NON>                                      2,196
<LOANS-PAST>                                     5,351
<LOANS-TROUBLED>                                    49
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,023
<CHARGE-OFFS>                                      225
<RECOVERIES>                                       291
<ALLOWANCE-CLOSE>                                2,089
<ALLOWANCE-DOMESTIC>                             2,089
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>