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<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 28,879
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 22,425
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 55,348
<INVESTMENTS-MARKET> 55,211
<LOANS> 417,182
<ALLOWANCE> 2,710
<TOTAL-ASSETS> 537,061
<DEPOSITS> 452,113
<SHORT-TERM> 40,400
<LIABILITIES-OTHER> 0
<LONG-TERM> 1,500
0
0
<COMMON> 67
<OTHER-SE> 0
<TOTAL-LIABILITIES-AND-EQUITY> 537,061
<INTEREST-LOAN> 22,499
<INTEREST-INVEST> 1,477
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 23,976
<INTEREST-DEPOSIT> 13,195
<INTEREST-EXPENSE> 15,058
<INTEREST-INCOME-NET> 8,918
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,760
<INCOME-PRETAX> (1,093)
<INCOME-PRE-EXTRAORDINARY> (649)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (649)
<EPS-BASIC> (0.10)
<EPS-DILUTED> (0.10)
<YIELD-ACTUAL> 3.55
<LOANS-NON> 4,704
<LOANS-PAST> 0
<LOANS-TROUBLED> 1,935
<LOANS-PROBLEM> 1,767
<ALLOWANCE-OPEN> 2,749
<CHARGE-OFFS> 39
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 2,710
<ALLOWANCE-DOMESTIC> 2,710
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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