<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated balance sheets and consolidated statements of income presented
above, as well as additional information relating to problem loans required by
Item 601(c) of Regulation S-B.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           7,791
<INT-BEARING-DEPOSITS>                             293
<FED-FUNDS-SOLD>                                11,172
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     30,150
<INVESTMENTS-CARRYING>                             577
<INVESTMENTS-MARKET>                               580
<LOANS>                                        101,847
<ALLOWANCE>                                      1,404
<TOTAL-ASSETS>                                 156,369
<DEPOSITS>                                     123,003
<SHORT-TERM>                                    17,835
<LIABILITIES-OTHER>                              1,023
<LONG-TERM>                                      3,546
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,068
<OTHER-SE>                                         893
<TOTAL-LIABILITIES-AND-EQUITY>                  10,961
<INTEREST-LOAN>                                  6,866
<INTEREST-INVEST>                                1,363
<INTEREST-OTHER>                                   356
<INTEREST-TOTAL>                                 8,585
<INTEREST-DEPOSIT>                               3,003
<INTEREST-EXPENSE>                               3,503
<INTEREST-INCOME-NET>                            5,082
<LOAN-LOSSES>                                      405
<SECURITIES-GAINS>                                  94
<EXPENSE-OTHER>                                  5,316
<INCOME-PRETAX>                                    951
<INCOME-PRE-EXTRAORDINARY>                         951
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       630
<EPS-BASIC>                                       0.51
<EPS-DILUTED>                                     0.42
<YIELD-ACTUAL>                                    4.78
<LOANS-NON>                                        999
<LOANS-PAST>                                        59
<LOANS-TROUBLED>                                   235
<LOANS-PROBLEM>                                  1,906
<ALLOWANCE-OPEN>                                 1,184
<CHARGE-OFFS>                                      191
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                                1,404
<ALLOWANCE-DOMESTIC>                             1,404
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>