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<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 2,720,187
<INT-BEARING-DEPOSITS> 107,519
<FED-FUNDS-SOLD> 1,810,000
<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 45,741,486
<ALLOWANCE> 687,190
<TOTAL-ASSETS> 63,087,257
<DEPOSITS> 54,862,201
<SHORT-TERM> 0
<LIABILITIES-OTHER> 868,087
<LONG-TERM> 0
0
0
<COMMON> 8,392
<OTHER-SE> 7,348,577
<TOTAL-LIABILITIES-AND-EQUITY> 63,087,257
<INTEREST-LOAN> 2,139,899
<INTEREST-INVEST> 251,836
<INTEREST-OTHER> 121,687
<INTEREST-TOTAL> 2,513,422
<INTEREST-DEPOSIT> 1,149,956
<INTEREST-EXPENSE> 1,149,956
<INTEREST-INCOME-NET> 1,363,466
<LOAN-LOSSES> 168,554
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,246,951
<INCOME-PRETAX> 141,433
<INCOME-PRE-EXTRAORDINARY> 141,433
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<NET-INCOME> 141,433
<EPS-BASIC> 0.17
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<YIELD-ACTUAL> 5.45
<LOANS-NON> 10,000
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<ALLOWANCE-OPEN> 520,000
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<ALLOWANCE-CLOSE> 687,000
<ALLOWANCE-DOMESTIC> 687,000
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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