<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<PERIOD-TYPE> 6-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-START> JAN-01-2000 JAN-01-1999
<PERIOD-END> JUN-30-2000 JUN-30-1999
<CASH> 23,807,000 20,871,000
<INT-BEARING-DEPOSITS> 115,000 69,000
<FED-FUNDS-SOLD> 25,800,000 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 109,109,000 102,137,000
<INVESTMENTS-CARRYING> 5,254,000 8,339,000
<INVESTMENTS-MARKET> (2,357,000) (1,094,000)
<LOANS> 388,500,000 277,987,000
<ALLOWANCE> 5,199,000 3,830,000
<TOTAL-ASSETS> 565,484,000 421,357,000
<DEPOSITS> 440,740,000 310,168,000
<SHORT-TERM> 58,712,000 69,584,000
<LIABILITIES-OTHER> 22,819,000 2,208,000
<LONG-TERM> 770,000 910,000
0 0
0 0
<COMMON> 67,000 67,000
<OTHER-SE> 42,376,000 38,420,000
<TOTAL-LIABILITIES-AND-EQUITY> 565,484,000 421,357,000
<INTEREST-LOAN> 17,382,000 11,437,000
<INTEREST-INVEST> 3,398,000 3,046,000
<INTEREST-OTHER> 333,000 91,000
<INTEREST-TOTAL> 21,113,000 14,574,000
<INTEREST-DEPOSIT> 7,070,000 3,762,000
<INTEREST-EXPENSE> 8,689,000 5,086,000
<INTEREST-INCOME-NET> 12,424,000 9,488,000
<LOAN-LOSSES> 942,000 635,000
<SECURITIES-GAINS> 0 44,000
<EXPENSE-OTHER> 8,505,000 7,545,000
<INCOME-PRETAX> 5,348,000 3,521,000
<INCOME-PRE-EXTRAORDINARY> 3,215,000 2,149,000
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 3,215,000 2,149,000
<EPS-BASIC> 0.48 0.32
<EPS-DILUTED> 0.47 0.31
<YIELD-ACTUAL> 5.24 5.31
<LOANS-NON> 582,000 781,000
<LOANS-PAST> 432,000 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 3,996,000 3,880,000
<ALLOWANCE-OPEN> 4,585,000 3,271,000
<CHARGE-OFFS> 358,000 79,000
<RECOVERIES> 30,000 3,000
<ALLOWANCE-CLOSE> 5,199,000 3,830,000
<ALLOWANCE-DOMESTIC> 5,199,000 3,830,000
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 2,721,000 819,000
</TABLE>