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<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE CONSOLIDATED
BALANCE SHEETS AS OF SEPTEMBER 30, 2000 CONSOLIDATED STATEMENTS OF INCOME FOR
THE NINE MONTHS ENDED SEPTEMBER 30, 2000, SCHEDULES AND OTHER REQUIRED
DISCLOSURES AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE COMPANY'S
SEPTEMBER 30, 2000 FORM 10-Q.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 2,474
<INT-BEARING-DEPOSITS> 97
<FED-FUNDS-SOLD> 3,264
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 5,739
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 159,102
<ALLOWANCE> 472
<TOTAL-ASSETS> 190,085
<DEPOSITS> 74,963
<SHORT-TERM> 63,391
<LIABILITIES-OTHER> 5,446
<LONG-TERM> 14,000
0
0
<COMMON> 40
<OTHER-SE> 21,321
<TOTAL-LIABILITIES-AND-EQUITY> 190,085
<INTEREST-LOAN> 11,420
<INTEREST-INVEST> 326
<INTEREST-OTHER> 266
<INTEREST-TOTAL> 12,012
<INTEREST-DEPOSIT> 2,487
<INTEREST-EXPENSE> 7,165
<INTEREST-INCOME-NET> 4,847
<LOAN-LOSSES> 187
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 12,203
<INCOME-PRETAX> 295
<INCOME-PRE-EXTRAORDINARY> 295
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 186
<EPS-BASIC> .05
<EPS-DILUTED> .05
<YIELD-ACTUAL> 0
<LOANS-NON> 627
<LOANS-PAST> 123
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 374
<CHARGE-OFFS> 91
<RECOVERIES> 2
<ALLOWANCE-CLOSE> 472
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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