<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JUL-01-1998
<PERIOD-END>                               SEP-30-1998             SEP-30-1998
<CASH>                                       3,263,055                       0
<INT-BEARING-DEPOSITS>                       3,918,427                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 20,065,958                       0
<INVESTMENTS-CARRYING>                       3,509,543                       0
<INVESTMENTS-MARKET>                         3,515,793                       0
<LOANS>                                     72,494,661                       0
<ALLOWANCE>                                  1,218,168                       0
<TOTAL-ASSETS>                             107,089,748                       0
<DEPOSITS>                                  93,579,320                       0
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                          2,198,319                       0
<LONG-TERM>                                  2,389,100                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       432,339                       0
<OTHER-SE>                                   8,333,829                       0
<TOTAL-LIABILITIES-AND-EQUITY>             107,089,778                       0
<INTEREST-LOAN>                              5,648,405               1,916,785
<INTEREST-INVEST>                              932,687                 333,703
<INTEREST-OTHER>                               159,937                  74,259
<INTEREST-TOTAL>                             6,741,029               2,324,747
<INTEREST-DEPOSIT>                           2,763,606                 982,151
<INTEREST-EXPENSE>                           2,922,080               1,019,797
<INTEREST-INCOME-NET>                        3,818,949               1,304,950
<LOAN-LOSSES>                                  225,000                  75,000
<SECURITIES-GAINS>                             (2,045)                       0
<EXPENSE-OTHER>                              2,906,223               1,154,728
<INCOME-PRETAX>                              1,326,929                 296,853
<INCOME-PRE-EXTRAORDINARY>                   1,326,929                 296,853
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   863,809                 190,234
<EPS-PRIMARY>                                     2.01                    0.44
<EPS-DILUTED>                                     1.91                    0.41
<YIELD-ACTUAL>                                    5.20                       0
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                   520,000                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                             1,135,477                       0
<CHARGE-OFFS>                                  264,000                       0
<RECOVERIES>                                   120,000                       0
<ALLOWANCE-CLOSE>                            1,218,160                       0
<ALLOWANCE-DOMESTIC>                         1,218,160                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        


</TABLE>