<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEPTEMBER
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>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           7,031
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 8,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     69,175
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         69,793
<ALLOWANCE>                                      2,162
<TOTAL-ASSETS>                                 154,855
<DEPOSITS>                                     119,677
<SHORT-TERM>                                     4,521
<LIABILITIES-OTHER>                              1,522
<LONG-TERM>                                     17,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      7,350
<COMMON>                                        24,614
<OTHER-SE>                                    (19,829)
<TOTAL-LIABILITIES-AND-EQUITY>                 154,855
<INTEREST-LOAN>                                  4,180
<INTEREST-INVEST>                                3,216
<INTEREST-OTHER>                                   282
<INTEREST-TOTAL>                                 7,678
<INTEREST-DEPOSIT>                               1,843
<INTEREST-EXPENSE>                               2,620
<INTEREST-INCOME-NET>                            5,058
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                 (1)
<EXPENSE-OTHER>                                  4,942
<INCOME-PRETAX>                                    621
<INCOME-PRE-EXTRAORDINARY>                         601
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       601
<EPS-BASIC>                                       0.89
<EPS-DILUTED>                                     0.24
<YIELD-ACTUAL>                                    4.96
<LOANS-NON>                                        967
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,144
<CHARGE-OFFS>                                      211
<RECOVERIES>                                       229
<ALLOWANCE-CLOSE>                                2,162
<ALLOWANCE-DOMESTIC>                             2,162
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>