<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996             DEC-31-1996
<PERIOD-START>                             JAN-01-1997             JAN-01-1997
<PERIOD-END>                               JUN-30-1997             JUN-30-1997
<CASH>                                       3,592,421                       0
<INT-BEARING-DEPOSITS>                         892,482                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 11,362,101                       0
<INVESTMENTS-CARRYING>                       4,202,455                       0
<INVESTMENTS-MARKET>                         4,142,493                       0
<LOANS>                                     60,615,830                       0
<ALLOWANCE>                                  1,029,992                       0
<TOTAL-ASSETS>                              84,004,426                       0
<DEPOSITS>                                  70,700,368                       0
<SHORT-TERM>                                 3,820,050                       0
<LIABILITIES-OTHER>                          1,886,418                       0
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       427,595<F2>                   0
<OTHER-SE>                                   7,169,995                       0
<TOTAL-LIABILITIES-AND-EQUITY>              84,004,426                       0
<INTEREST-LOAN>                              3,321,090               1,737,070
<INTEREST-INVEST>                              411,466                 208,448
<INTEREST-OTHER>                                81,824                  40,353
<INTEREST-TOTAL>                             3,814,380               1,985,871
<INTEREST-DEPOSIT>                           1,356,099                 706,142
<INTEREST-EXPENSE>                           1,507,920                 782,319
<INTEREST-INCOME-NET>                        2,306,460               1,203,552
<LOAN-LOSSES>                                  149,893                  74,893
<SECURITIES-GAINS>                             (9,229)                 (9,229)
<EXPENSE-OTHER>                              1,505,667                 739,725
<INCOME-PRETAX>                              1,015,750                 528,919
<INCOME-PRE-EXTRAORDINARY>                     648,085                 338,542
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   648,085                 338,542
<EPS-PRIMARY>                                     1.52<F1>                 .79<F1>
<EPS-DILUTED>                                        0                       0
<YIELD-ACTUAL>                                    6.31                       0
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                       826                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                               914,266                       0
<CHARGE-OFFS>                                   52,966                       0
<RECOVERIES>                                    18,799                       0
<ALLOWANCE-CLOSE>                            1,029,922                       0
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
<FN>
<F2>DECLARATION OF STOCK DIVIDEND

THE BOARD OF DIRECTORS DECLARED A 2% STOCK DIVIDEND ON FEBRUARY 18, 1997 FOR
SHAREHOLDERS OF RECORD AS OF MARCH 1, 1997 TO BE PAID ON MAY 1, 1997. COMMON
STOCK OUTSTANDING ON THE BALANCE SHEET TO REFLECT THIS DECLARATION AND EARNINGS
AND DIVIDENDS PER SHARE HAVE BEEN RETROACTIVELY RESTATED.
<F1>CURRENT ACCOUNTING DEVELOPMENTS

THE FINANCIAL ACCOUNTING STANDARDS BOARD HAS ISSUED SFAS NO. 128, "EARNINGS PER
SHARE". SFAS NO. 128 ESTABLISHES STANDARDS FOR COMPUTING AND PRESENTING EARNINGS
PER SHARE (EPS) AND APPLIES TO ENTITIES WITH PUBLICLY HELD COMMON STOCK OR
POTENTIAL COMMON STOCK. THIS STATEMENT SIMPLIFIES THE STANDARDS FOR COMPUTING
EARNINGS PER SHARE PREVIOUSLY FOUND IN APB OPINION NO. 15, EARNINGS PER SHARE,
AND MAKES THEM COMPARABLE TO INTERNATIONAL EPS STANDARDS. IT REPLACES THE
PRESENTATION OF BASIC EPS. THE EFFECTIVE DATE OF THIS STATEMENT IF FOR
FINANCIAL STATEMENTS ISSUED FOR PERIODS ENDING AFTER DECEMBER 15, 1997. THE
ADOPTION OF THIS STATEMENT IS NOT EXPECTED TO HAVE MATERIAL EFFECT ON EARNINGS
PER SHARE.
</FN>
        

</TABLE>