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<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> 1,736,762
<INT-BEARING-DEPOSITS> 250,801
<FED-FUNDS-SOLD> 1,865,277
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 11,391,676
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 44,116,525
<ALLOWANCE> 529,271
<TOTAL-ASSETS> 63,439,973
<DEPOSITS> 50,225,719
<SHORT-TERM> 0
<LIABILITIES-OTHER> 612,124
<LONG-TERM> 4,500,000
0
0
<COMMON> 8,000
<OTHER-SE> 8,094,130
<TOTAL-LIABILITIES-AND-EQUITY> 63,439,973
<INTEREST-LOAN> 2,979,131
<INTEREST-INVEST> 513,639
<INTEREST-OTHER> 90,417
<INTEREST-TOTAL> 3,583,187
<INTEREST-DEPOSIT> 1,701,775
<INTEREST-EXPENSE> 1,872,056
<INTEREST-INCOME-NET> 1,711,131
<LOAN-LOSSES> 252,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,429,123
<INCOME-PRETAX> 190,517
<INCOME-PRE-EXTRAORDINARY> 119,071
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 119,071
<EPS-BASIC> 0.15
<EPS-DILUTED> 0.15
<YIELD-ACTUAL> 4.44
<LOANS-NON> 109,000
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 377,000
<CHARGE-OFFS> 102,000
<RECOVERIES> 2,000
<ALLOWANCE-CLOSE> 529,000
<ALLOWANCE-DOMESTIC> 529,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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