<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> 7,883
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 44,090
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 53,810
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 346,131
<ALLOWANCE> 3,326
<TOTAL-ASSETS> 471,072
<DEPOSITS> 408,927
<SHORT-TERM> 30,333
<LIABILITIES-OTHER> 7,591
<LONG-TERM> 1,500
0
0
<COMMON> 67
<OTHER-SE> 69
<TOTAL-LIABILITIES-AND-EQUITY> 471,072
<INTEREST-LOAN> 31,858
<INTEREST-INVEST> 2,399
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 34,257
<INTEREST-DEPOSIT> 19,806
<INTEREST-EXPENSE> 22,128
<INTEREST-INCOME-NET> 11,413
<LOAN-LOSSES> 716
<SECURITIES-GAINS> (1,025)
<EXPENSE-OTHER> 3,855
<INCOME-PRETAX> (10,237)
<INCOME-PRE-EXTRAORDINARY> (10,237)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (11,860)
<EPS-BASIC> (1.78)
<EPS-DILUTED> (1.78)
<YIELD-ACTUAL> 4.76
<LOANS-NON> 10,712
<LOANS-PAST> 29
<LOANS-TROUBLED> 34
<LOANS-PROBLEM> 1,319
<ALLOWANCE-OPEN> 2,749
<CHARGE-OFFS> 151
<RECOVERIES> 12
<ALLOWANCE-CLOSE> 3,326
<ALLOWANCE-DOMESTIC> 3,326
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>