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<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> MAR-31-2000
<CASH> 6,506
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 1,350
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 49,431
<INVESTMENTS-MARKET> 49,275
<LOANS> 412,842
<ALLOWANCE> 2,749
<TOTAL-ASSETS> 506,948
<DEPOSITS> 455,079
<SHORT-TERM> 3,300
<LIABILITIES-OTHER> 0
<LONG-TERM> 1,500
0
0
<COMMON> 67
<OTHER-SE> 0
<TOTAL-LIABILITIES-AND-EQUITY> 506,948
<INTEREST-LOAN> 11,250
<INTEREST-INVEST> 511
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 11,761
<INTEREST-DEPOSIT> 6,530
<INTEREST-EXPENSE> 7,330
<INTEREST-INCOME-NET> 4,431
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,151
<INCOME-PRETAX> (774)
<INCOME-PRE-EXTRAORDINARY> (774)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (774)
<EPS-BASIC> (0.12)
<EPS-DILUTED> (0.12)
<YIELD-ACTUAL> 3.60
<LOANS-NON> 2,871
<LOANS-PAST> 0
<LOANS-TROUBLED> 2,871
<LOANS-PROBLEM> 1,752
<ALLOWANCE-OPEN> 2,749
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 2,749
<ALLOWANCE-DOMESTIC> 2,749
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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