<TABLE> <S> <C>
<PAGE>
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<MULTIPLIER> 1,000
<S> <C> <C>
<PERIOD-TYPE> 3-MOS 3-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-START> JAN-01-2000 JAN-01-1999
<PERIOD-END> SEP-30-2000 SEP-30-1999
<CASH> 2,293 3,297
<INT-BEARING-DEPOSITS> 2,172 3,286
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 49,042 63,749
<INVESTMENTS-CARRYING> 0 0
<INVESTMENTS-MARKET> 0 0
<LOANS> 172,682 153,693
<ALLOWANCE> 1,944 1,839
<TOTAL-ASSETS> 237,938 230,741
<DEPOSITS> 157,038 147,540
<SHORT-TERM> 31,500 32,000
<LIABILITIES-OTHER> 3,749 3,708
<LONG-TERM> 0 0
0 0
0 0
<COMMON> 25,827 27,335
<OTHER-SE> 19,771 19,833
<TOTAL-LIABILITIES-AND-EQUITY> 237,938 230,741
<INTEREST-LOAN> 9,852 7,990
<INTEREST-INVEST> 3,152 2,060
<INTEREST-OTHER> 0 0
<INTEREST-TOTAL> 13,004 10,070
<INTEREST-DEPOSIT> 5,530 4,536
<INTEREST-EXPENSE> 7,097 5,039
<INTEREST-INCOME-NET> 5,907 5,031
<LOAN-LOSSES> 305 270
<SECURITIES-GAINS> (20) 146
<EXPENSE-OTHER> 4,388 5,015
<INCOME-PRETAX> 1,660 261
<INCOME-PRE-EXTRAORDINARY> 1,660 261
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 1,130 119
<EPS-BASIC> 0.680 0.130
<EPS-DILUTED> 0.680 0.130
<YIELD-ACTUAL> 5.84 5.59
<LOANS-NON> 779 1,205
<LOANS-PAST> 225 160
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<LOANS-PROBLEM> 3,825 1,149
<ALLOWANCE-OPEN> 1,839 1,331
<CHARGE-OFFS> 225 15
<RECOVERIES> 25 0
<ALLOWANCE-CLOSE> 1,944 1,586
<ALLOWANCE-DOMESTIC> 1,944 1,586
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0
</TABLE>