<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 BY 
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>                     <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   6-MOS                   9-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996             DEC-31-1996             DEC-31-1996
<PERIOD-START>                             SEP-30-1996             JUN-01-1996             MAR-01-1996             JAN-01-1996
<PERIOD-END>                               MAR-31-1996             JUN-30-1996             SEP-30-1996             DEC-31-1996
<CASH>                                           1,982                   1,287                   4,278                   1,290
<INT-BEARING-DEPOSITS>                             706                     307                     301                     240
<FED-FUNDS-SOLD>                                 8,015                   2,250                     500                   3,650
<TRADING-ASSETS>                                     0                       0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                      2,787                   3,590                   3,475                       0
<INVESTMENTS-CARRYING>                           7,488                   7,983                   7,977                  10,371
<INVESTMENTS-MARKET>                             7,933                   7,897                   7,926                  10,341
<LOANS>                                         89,005                  90,496                  95,180                  97,434
<ALLOWANCE>                                      (951)                   (900)                 (1,133)                 (1,174)
<TOTAL-ASSETS>                                 115,222                 111,863                 117,253                 117,096
<DEPOSITS>                                      99,473                  96,249                 101,244                 101,994
<SHORT-TERM>                                         0                       0                       0                       0
<LIABILITIES-OTHER>                              1,687                    1660                   2,494                   1,458
<LONG-TERM>                                          0                       0                       0                       0
<PREFERRED-MANDATORY>                                0                       0                       0                       0
<PREFERRED>                                        911                     911                     911                     911
<COMMON>                                         8,153                   8,163                   8,163                   8,216
<OTHER-SE>                                       (641)                   (649)                   (654)                   (563)
<TOTAL-LIABILITIES-AND-EQUITY>                 115,222                 111,863                 117,253                 117,096
<INTEREST-LOAN>                                   1907                   3,837                   5,855                   7,878
<INTEREST-INVEST>                                  229                     448                     642                     819
<INTEREST-OTHER>                                    11                      23                      35                      50
<INTEREST-TOTAL>                                 2,147                   4,308                   6,532                   8,747
<INTEREST-DEPOSIT>                                 863                   1,728                   2,591                   3,476
<INTEREST-EXPENSE>                                 863                   1,728                   2,591                   3,481
<INTEREST-INCOME-NET>                            1,284                   2,580                   3,941                   5,266
<LOAN-LOSSES>                                       55                     243                     498                     586
<SECURITIES-GAINS>                                   0                       0                       0                    (84)
<EXPENSE-OTHER>                                      0                       0                       0                       0
<INCOME-PRETAX>                                    177                     111                   (531)                   (456)
<INCOME-PRE-EXTRAORDINARY>                         177                     111                   (531)                   (456)
<EXTRAORDINARY>                                      0                       0                       0                       0
<CHANGES>                                            0                       0                       0                       0
<NET-INCOME>                                       114                      60                   (318)                   (277)
<EPS-PRIMARY>                                     0.12                    0.07                  (0.44)                  (0.36)
<EPS-DILUTED>                                     0.00                    0.00                    0.00                    0.00
<YIELD-ACTUAL>                                       0                       0                       0                   0.082
<LOANS-NON>                                        755                   1,198                    1534                   1,874
<LOANS-PAST>                                         0                       0                       0                       0
<LOANS-TROUBLED>                                    24                      24                      24                      24
<LOANS-PROBLEM>                                      0                       0                       0                       0
<ALLOWANCE-OPEN>                               (8,967)                   (896)                   (896)                   (896)
<CHARGE-OFFS>                                        0                       0                       0                     313
<RECOVERIES>                                         0                       0                       0                       5
<ALLOWANCE-CLOSE>                                (951)                   (900)                 (1,133)                 (1,174)
<ALLOWANCE-DOMESTIC>                             (951)                   (900)                 (1,133)                 (1,174)
<ALLOWANCE-FOREIGN>                                  0                       0                       0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0                       0                     335
        

</TABLE>