<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   9-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-START>                             JAN-01-1999             JUL-01-1999
<PERIOD-END>                               SEP-30-1999             SEP-30-1999
<CASH>                                       1,287,753                       0
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                             2,829,973                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                  8,117,701                       0
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                     23,763,142                       0
<ALLOWANCE>                                    357,000                       0
<TOTAL-ASSETS>                              36,448,055                       0
<DEPOSITS>                                  25,675,789                       0
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                            337,610                       0
<LONG-TERM>                                  1,000,000                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                     1,235,000                       0
<OTHER-SE>                                   8,199,656                       0
<TOTAL-LIABILITIES-AND-EQUITY>              36,448,055                       0
<INTEREST-LOAN>                              1,401,001                 573,401
<INTEREST-INVEST>                              351,141                 141,811
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                             1,752,142                 715,212
<INTEREST-DEPOSIT>                             586,912                 253,436
<INTEREST-EXPENSE>                             608,675                 266,404
<INTEREST-INCOME-NET>                        1,143,467                 448,808
<LOAN-LOSSES>                                  135,000                  54,000
<SECURITIES-GAINS>                                 303                       0
<EXPENSE-OTHER>                              1,425,247                 423,236
<INCOME-PRETAX>                               (128,375)                 28,387
<INCOME-PRE-EXTRAORDINARY>                    (128,375)                 28,387
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                  (128,375)                 28,387
<EPS-BASIC>                                      $(.11)                   $.02
<EPS-DILUTED>                                    $(.11)                   $.02
<YIELD-ACTUAL>                                    5.52                    5.60
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                               222,000                 303,000
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                              357,000                 357,000
<ALLOWANCE-DOMESTIC>                           357,000                 357,000
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>