<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS FOR THE THREE-MONTH PERIOD FROM JANUARY 1,
1999 THROUGH MARCH 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                         918,798
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             2,870,989
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,924,330
<INVESTMENTS-CARRYING>                       5,924,330
<INVESTMENTS-MARKET>                         5,924,330
<LOANS>                                     16,847,534
<ALLOWANCE>                                    256,000
<TOTAL-ASSETS>                              27,336,744
<DEPOSITS>                                  16,652,369
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             83,508
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,235,000
<OTHER-SE>                                   9,365,807
<TOTAL-LIABILITIES-AND-EQUITY>              27,336,744
<INTEREST-LOAN>                                374,020
<INTEREST-INVEST>                               70,115
<INTEREST-OTHER>                                11,733
<INTEREST-TOTAL>                               455,868
<INTEREST-DEPOSIT>                             141,495
<INTEREST-EXPENSE>                             141,644
<INTEREST-INCOME-NET>                          314,224
<LOAN-LOSSES>                                   34,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                461,789
<INCOME-PRETAX>                               (86,591)
<INCOME-PRE-EXTRAORDINARY>                    (86,591)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (86,591)
<EPS-PRIMARY>                                    (.07)
<EPS-DILUTED>                                    (.07)
<YIELD-ACTUAL>                                    7.97
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               256,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              256,000
<ALLOWANCE-DOMESTIC>                           256,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>