<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               MAR-31-1998             MAR-31-1997
<CASH>                                       3,142,900                       0
<INT-BEARING-DEPOSITS>                       6,499,577                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0 
<INVESTMENTS-HELD-FOR-SALE>                 13,894,707                       0
<INVESTMENTS-CARRYING>                       4,259,244                       0
<INVESTMENTS-MARKET>                         4,255,145                       0 
<LOANS>                                     66,399,534                       0
<ALLOWANCE>                                  1,209,893                       0
<TOTAL-ASSETS>                              97,724,145                       0
<DEPOSITS>                                  84,086,634                       0 
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                          1,924,198                       0 
<LONG-TERM>                                  3,267,500                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       428,105                       0 
<OTHER-SE>                                   7,913,426                       0
<TOTAL-LIABILITIES-AND-EQUITY>              97,724,145                       0
<INTEREST-LOAN>                              1,861,721               1,584,020
<INTEREST-INVEST>                              254,423                 203,017
<INTEREST-OTHER>                                35,914                  41,471
<INTEREST-TOTAL>                             2,152,058               1,828,508
<INTEREST-DEPOSIT>                             844,181                 649,956
<INTEREST-EXPENSE>                             919,078                 725,601
<INTEREST-INCOME-NET>                        1,232,980               1,102,907
<LOAN-LOSSES>                                   75,000                  75,000
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                831,701                 765,942
<INCOME-PRETAX>                                537,296                 486,831
<INCOME-PRE-EXTRAORDINARY>                     357,530                 309,542
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   357,530                 309,542
<EPS-PRIMARY>                                     $.83                    $.72
<EPS-DILUTED>                                     $.70                    $.71
<YIELD-ACTUAL>                                    5.79                    6.31
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                    31,000                 234,000
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                             1,135,477                 914,525
<CHARGE-OFFS>                                   55,000                  29,000
<RECOVERIES>                                    52,000                   8,000
<ALLOWANCE-CLOSE>                            1,209,893                 968,525
<ALLOWANCE-DOMESTIC>                         1,209,893                 968,525
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>