<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 2,160,901
<INT-BEARING-DEPOSITS> 6,026,164
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 43,430,723
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 312,749,995
<ALLOWANCE> 2,819,741
<TOTAL-ASSETS> 384,376,901
<DEPOSITS> 261,685,769
<SHORT-TERM> 53,000,000
<LIABILITIES-OTHER> 2,065,212
<LONG-TERM> 31,622,554
0
0
<COMMON> 40,111
<OTHER-SE> 35,963,255
<TOTAL-LIABILITIES-AND-EQUITY> 384,376,901
<INTEREST-LOAN> 17,919,983
<INTEREST-INVEST> 2,292,378
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 20,212,361
<INTEREST-DEPOSIT> 9,077,768
<INTEREST-EXPENSE> 12,172,341
<INTEREST-INCOME-NET> 8,040,020
<LOAN-LOSSES> 90,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 6,300,490
<INCOME-PRETAX> 4,545,200
<INCOME-PRE-EXTRAORDINARY> 4,545,200
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,983,337
<EPS-BASIC> 1.50
<EPS-DILUTED> 1.47
<YIELD-ACTUAL> 7.58
<LOANS-NON> 1,060,953
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,776,539
<CHARGE-OFFS> 49,042
<RECOVERIES> 2,244
<ALLOWANCE-CLOSE> 2,819,741
<ALLOWANCE-DOMESTIC> 2,819,741
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>