<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM DEC 31, 1999
10-QSB FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CURRENCY> U.S.
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<EXCHANGE-RATE>                                      1
<CASH>                                       7,546,911
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             2,370,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 58,919,609
<INVESTMENTS-CARRYING>                       4,174,769
<INVESTMENTS-MARKET>                         4,298,350
<LOANS>                                    208,967,142
<ALLOWANCE>                                  2,714,638
<TOTAL-ASSETS>                             295,431,780
<DEPOSITS>                                 251,505,486
<SHORT-TERM>                                 3,614,257
<LIABILITIES-OTHER>                          2,684,965
<LONG-TERM>                                  9,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,461,104
<OTHER-SE>                                  23,165,968
<TOTAL-LIABILITIES-AND-EQUITY>             295,431,780
<INTEREST-LOAN>                             17,762,188
<INTEREST-INVEST>                            3,357,166
<INTEREST-OTHER>                               380,851
<INTEREST-TOTAL>                            21,500,205
<INTEREST-DEPOSIT>                           9,062,585
<INTEREST-EXPENSE>                           9,819,370
<INTEREST-INCOME-NET>                       11,680,835
<LOAN-LOSSES>                                  875,000
<SECURITIES-GAINS>                              33,001
<EXPENSE-OTHER>                              9,935,223
<INCOME-PRETAX>                              4,484,384
<INCOME-PRE-EXTRAORDINARY>                   4,484,384
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,915,384
<EPS-PRIMARY>                                     1.60
<EPS-DILUTED>                                     1.60
<YIELD-ACTUAL>                                    8.53
<LOANS-NON>                                  2,925,000
<LOANS-PAST>                                    44,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,097,036
<CHARGE-OFFS>                                  378,783
<RECOVERIES>                                   121,385
<ALLOWANCE-CLOSE>                            2,714,638
<ALLOWANCE-DOMESTIC>                         2,714,638
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>