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<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> 0
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 1,507,000
<INVESTMENTS-CARRYING> 813,000
<INVESTMENTS-MARKET> 0
<LOANS> 16,448,000
<ALLOWANCE> 246,000
<TOTAL-ASSETS> 23,636,000
<DEPOSITS> 19,886,000
<SHORT-TERM> 0
<LIABILITIES-OTHER> 101,000
<LONG-TERM> 0
0
0
<COMMON> 5,000
<OTHER-SE> 3,448,000
<TOTAL-LIABILITIES-AND-EQUITY> 23,636,000
<INTEREST-LOAN> 815,000
<INTEREST-INVEST> 286,000
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 1,101,000
<INTEREST-DEPOSIT> 0
<INTEREST-EXPENSE> 583,000
<INTEREST-INCOME-NET> 518,000
<LOAN-LOSSES> 108,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 913,000
<INCOME-PRETAX> (450,000)
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (450,000)
<EPS-BASIC> (.91)
<EPS-DILUTED> (.91)
<YIELD-ACTUAL> (3.10)
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 138,000
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 246,000
<ALLOWANCE-DOMESTIC> 246,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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