<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 
PRECEDING FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO 
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997             DEC-31-1997
<PERIOD-START>                             SEP-01-1997             JUN-01-1997             MAR-01-1997
<PERIOD-END>                               MAR-31-1997             JUN-30-1997             SEP-30-1997
<CASH>                                           1,308                   2,059                   2,869
<INT-BEARING-DEPOSITS>                             132                     130                      32
<FED-FUNDS-SOLD>                                 3,900                   4,250                     900
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0                       0
<INVESTMENTS-CARRYING>                           8,874                  11,870                  10,309
<INVESTMENTS-MARKET>                             8,773                  11,745                  10,291
<LOANS>                                        100,002                  98,864                 104,724
<ALLOWANCE>                                    (1,194)                 (1,003)                 (1,071)
<TOTAL-ASSETS>                                 118,763                 122,245                 124,740
<DEPOSITS>                                     103,724                 107,550                 107,322
<SHORT-TERM>                                         0                       0                   2,500
<LIABILITIES-OTHER>                              1,430                   1,551                   1,734
<LONG-TERM>                                          0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                        911                     911                     911
<COMMON>                                         8,216                   8,230                   8,248
<OTHER-SE>                                       (563)                 (1,173)                 (1,203)
<TOTAL-LIABILITIES-AND-EQUITY>                 118,763                 122,245                 124,740
<INTEREST-LOAN>                                  2,039                   4,127                   6,195
<INTEREST-INVEST>                                  163                     349                     547
<INTEREST-OTHER>                                    14                      29                      44
<INTEREST-TOTAL>                                 2,216                   4,505                   6,786
<INTEREST-DEPOSIT>                                 935                   1,916                   2,923
<INTEREST-EXPENSE>                                 935                   1,916                   2,925
<INTEREST-INCOME-NET>                            1,281                   2,589                   3,861
<LOAN-LOSSES>                                       30                      77                     152
<SECURITIES-GAINS>                                   0                       0                       0
<EXPENSE-OTHER>                                      0                       0                       0
<INCOME-PRETAX>                                    111                     360                     536
<INCOME-PRE-EXTRAORDINARY>                         111                     360                     536
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                       111                     208                     310
<EPS-PRIMARY>                                     0.07                    0.21                    0.31
<EPS-DILUTED>                                     0.00                    0.00                    0.00
<YIELD-ACTUAL>                                   0.083                   0.082                   0.080
<LOANS-NON>                                      1,651                    1039                     979
<LOANS-PAST>                                         0                       0                       0
<LOANS-TROUBLED>                                    24                       0                       0
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                                 1,174                   1,174                   1,174
<CHARGE-OFFS>                                       11                     249                     249
<RECOVERIES>                                         1                       1                       1
<ALLOWANCE-CLOSE>                              (1,194)                  (1003)                 (1,071)
<ALLOWANCE-DOMESTIC>                           (1,194)                  (1003)                 (1,071)
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                            270                     208                     169
        

</TABLE>