<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-01-1997             JUL-01-1997
<PERIOD-END>                               SEP-30-1997             SEP-30-1997
<CASH>                                       2,862,942                       0
<INT-BEARING-DEPOSITS>                       2,810,286                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 11,860,765                       0
<INVESTMENTS-CARRYING>                       4,602,140                       0
<INVESTMENTS-MARKET>                         4,577,677                       0
<LOANS>                                     62,432,760                       0
<ALLOWANCE>                                  1,071,888                       0
<TOTAL-ASSETS>                              87,883,283                       0
<DEPOSITS>                                  74,811,819                       0
<SHORT-TERM>                                 1,295,900                       0
<LIABILITIES-OTHER>                          2,178,810                       0
<LONG-TERM>                                  2,000,000                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       427,745                       0
<OTHER-SE>                                   7,169,009                       0
<TOTAL-LIABILITIES-AND-EQUITY>              87,883,283                       0
<INTEREST-LOAN>                              5,126,589               1,805,499
<INTEREST-INVEST>                              616,744                 205,278
<INTEREST-OTHER>                                96,375                  14,551
<INTEREST-TOTAL>                             5,839,708               2,025,328
<INTEREST-DEPOSIT>                           2,144,249                 788,151
<INTEREST-EXPENSE>                           2,320,098                 812,179
<INTEREST-INCOME-NET>                        3,519,610               1,213,149
<LOAN-LOSSES>                                  224,893                  75,000
<SECURITIES-GAINS>                             (9,229)                       0
<EXPENSE-OTHER>                              2,292,737                 787,070
<INCOME-PRETAX>                              1,546,120                 530,370
<INCOME-PRE-EXTRAORDINARY>                     987,524                 339,439
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   987,524                 339,439
<EPS-PRIMARY>                                     2.34                     .80
<EPS-DILUTED>                                        0                       0
<YIELD-ACTUAL>                                    6.25                       0
<LOANS-NON>                                    107,400                       0
<LOANS-PAST>                                 1,027,156                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                               914,266                       0
<CHARGE-OFFS>                                  103,708                       0
<RECOVERIES>                                    18,140                       0
<ALLOWANCE-CLOSE>                            1,071,888                       0
<ALLOWANCE-DOMESTIC>                         1,071,888                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>