<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1998             JAN-01-1997
<PERIOD-END>                               DEC-31-1998             DEC-31-1997
<CASH>                                           1,905                   1,264
<INT-BEARING-DEPOSITS>                             214                   5,945
<FED-FUNDS-SOLD>                                 9,685                 151,095
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     68,139                  26,699
<INVESTMENTS-CARRYING>                          27,354                  51,566
<INVESTMENTS-MARKET>                            27,633                  51,964
<LOANS>                                        108,807                 103,708
<ALLOWANCE>                                        258                     237
<TOTAL-ASSETS>                                 220,032                 343,995
<DEPOSITS>                                     154,816                 320,633
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                              4,082                   3,426
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                            40                       0
<OTHER-SE>                                      61,094                  19,936
<TOTAL-LIABILITIES-AND-EQUITY>                 220,032                 343,995
<INTEREST-LOAN>                                  8,280                   7,607
<INTEREST-INVEST>                                4,778                   5,118
<INTEREST-OTHER>                                 1,994                   1,586
<INTEREST-TOTAL>                                15,052                  14,311
<INTEREST-DEPOSIT>                               8,004                   9,341
<INTEREST-EXPENSE>                                   0                   9,350
<INTEREST-INCOME-NET>                            7,048                   4,961
<LOAN-LOSSES>                                       20                      20
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  2,982                   2,408
<INCOME-PRETAX>                                  4,592                   3,061
<INCOME-PRE-EXTRAORDINARY>                       2,951                   3,061
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,951                   2,023
<EPS-PRIMARY>                                      .80                       0
<EPS-DILUTED>                                      .80                       0
<YIELD-ACTUAL>                                    3.15                    2.33
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                       287                     163
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                     866
<ALLOWANCE-OPEN>                                   258                     217
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                  258                     237
<ALLOWANCE-DOMESTIC>                               258                     237
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0
        

</TABLE>