<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   YEAR                   YEAR                   4-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998             DEC-31-1997
<PERIOD-START>                             JAN-01-1999             JAN-01-1998             SEP-11-1997
<PERIOD-END>                               DEC-31-1999             DEC-31-1998             DEC-31-1997
<CASH>                                          39,569                  17,191                       0
<INT-BEARING-DEPOSITS>                           2,576                   4,468                       0
<FED-FUNDS-SOLD>                                20,791                  63,689                       0
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                     57,656                  21,678                       0
<INVESTMENTS-CARRYING>                          70,592                   8,511                       0
<INVESTMENTS-MARKET>                            69,340                   8,521                       0
<LOANS>                                        551,399                  97,289                       0
<ALLOWANCE>                                      6,750                   1,986                       0
<TOTAL-ASSETS>                                 843,179                 237,594                       0
<DEPOSITS>                                     712,762                 192,563                       0
<SHORT-TERM>                                         0                       0                       0
<LIABILITIES-OTHER>                             12,583                   6,195                       0
<LONG-TERM>                                     18,500                       0                       0
<PREFERRED-MANDATORY>                            3,500                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                        99,450                  37,581                       0
<OTHER-SE>                                     (3,616)                 (2,839)                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 843,179                 237,594                       0
<INTEREST-LOAN>                                 25,004                   2,523                     311
<INTEREST-INVEST>                                5,515                     277                      28
<INTEREST-OTHER>                                 2,294                   1,020                      90
<INTEREST-TOTAL>                                32,813                   3,820                     429
<INTEREST-DEPOSIT>                              10,875                   1,269                     147
<INTEREST-EXPENSE>                              11,368                   1,310                     147
<INTEREST-INCOME-NET>                           21,445                   2,510                     282
<LOAN-LOSSES>                                      819                     340                       0
<SECURITIES-GAINS>                               (626)                       0                       0
<EXPENSE-OTHER>                                 24,353                   5,643                     535
<INCOME-PRETAX>                                  (852)                 (2,737)                   (197)
<INCOME-PRE-EXTRAORDINARY>                       (416)                 (2,649)                   (209)
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     (416)                 (2,649)                   (209)
<EPS-BASIC>                                     (0.05)                  (1.93)                  (1.92)
<EPS-DILUTED>                                   (0.05)                  (1.93)                  (1.92)
<YIELD-ACTUAL>                                    5.34                    5.11                    5.66
<LOANS-NON>                                        413                   1,654                     415
<LOANS-PAST>                                         0                       0                      14
<LOANS-TROUBLED>                                     0                     203                     663
<LOANS-PROBLEM>                                    413                   1,857                   1,092
<ALLOWANCE-OPEN>                                 1,986                   1,013                       0
<CHARGE-OFFS>                                      283                     682                       0
<RECOVERIES>                                       141                     147                       0
<ALLOWANCE-CLOSE>                                6,750                   1,986                   1,013
<ALLOWANCE-DOMESTIC>                             6,750                   1,986                   1,013
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                          2,690                      52                      82


</TABLE>