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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> 1,425,755
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 3,247,012
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 10,519,702
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 38,586,193
<ALLOWANCE> 517,000
<TOTAL-ASSETS> 55,538,443
<DEPOSITS> 43,234,902
<SHORT-TERM> 0
<LIABILITIES-OTHER> 664,911
<LONG-TERM> 2,964,500
0
0
<COMMON> 1,235,000
<OTHER-SE> 7,439,130
<TOTAL-LIABILITIES-AND-EQUITY> 55,538,443
<INTEREST-LOAN> 2,709,933
<INTEREST-INVEST> 393,141
<INTEREST-OTHER> 105,320
<INTEREST-TOTAL> 3,208,394
<INTEREST-DEPOSIT> 1,335,558
<INTEREST-EXPENSE> 1,436,923
<INTEREST-INCOME-NET> 1,771,471
<LOAN-LOSSES> 112,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,895,640
<INCOME-PRETAX> (10,485)
<INCOME-PRE-EXTRAORDINARY> (10,435)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (10,435)
<EPS-BASIC> (.01)
<EPS-DILUTED> (.01)
<YIELD-ACTUAL> 4.55
<LOANS-NON> 33,000
<LOANS-PAST> 193,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 357,000
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 517,000
<ALLOWANCE-DOMESTIC> 517,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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