<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-21-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               DEC-31-1999             DEC-31-1998
<CASH>                                           3,297                   3,085
<INT-BEARING-DEPOSITS>                           3,286                   3,822
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                          0                       0
<INVESTMENTS-CARRYING>                          63,749                  31,091
<INVESTMENTS-MARKET>                            63,749                  31,091
<LOANS>                                        152,369                 128,562
<ALLOWANCE>                                      1,839                   1,332
<TOTAL-ASSETS>                                 230,741                 172,976
<DEPOSITS>                                     147,540                 140,417
<SHORT-TERM>                                     2,000                   5,000
<LIABILITIES-OTHER>                              3,933                   4,403
<LONG-TERM>                                     30,000                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        27,335                       0
<OTHER-SE>                                      19,933                  23,157
<TOTAL-LIABILITIES-AND-EQUITY>                 226,712                 172,976
<INTEREST-LOAN>                                 10,903                   9,988
<INTEREST-INVEST>                                3,194                   2,556
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                14,097                  12,544
<INTEREST-DEPOSIT>                               6,127                   6,646
<INTEREST-EXPENSE>                               7,123                   6,967
<INTEREST-INCOME-NET>                            6,974                   5,577
<LOAN-LOSSES>                                      560                     550
<SECURITIES-GAINS>                                 119                      48
<EXPENSE-OTHER>                                  6,498                   5,179
<INCOME-PRETAX>                                    798                     409
<INCOME-PRE-EXTRAORDINARY>                         467                     271
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       467                     271
<EPS-BASIC>                                       0.33                    0.00
<EPS-DILUTED>                                     0.33                    0.00
<YIELD-ACTUAL>                                    3.70                    3.46
<LOANS-NON>                                      1,176                       0
<LOANS-PAST>                                       156                     157
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  1,332                     248
<ALLOWANCE-OPEN>                                 1,331                     781
<CHARGE-OFFS>                                       52                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                1,839                   1,332
<ALLOWANCE-DOMESTIC>                             1,586                   1,332
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>