<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<MULTIPLIER> 1000
<S> <C> <C> <C> <C>
<PERIOD-TYPE> 3-MOS 6-MOS 9-MOS YEAR
<FISCAL-YEAR-END> DEC-31-1999 DEC-31-1999 DEC-31-1999 DEC-31-1999
<PERIOD-START> JAN-01-1999 JAN-01-1999 JAN-01-1999 JAN-01-1999
<PERIOD-END> MAR-31-1999 JUN-30-1999 SEP-30-1999 DEC-31-1999
<CASH> 18,037 17,235 18,707 21,148
<INT-BEARING-DEPOSITS> 5,635 6,424 7,714 7,502
<FED-FUNDS-SOLD> 30,702 33,334 12,332 10,889
<TRADING-ASSETS> 0 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 36,177 32,682 33,372 34,460
<INVESTMENTS-CARRYING> 5,994 13,045 14,070 14,868
<INVESTMENTS-MARKET> 5,994 13,045 14,070 14,775
<LOANS> 183,575 188,278 200,064 206,650
<ALLOWANCE> 3,926 3,658 3,768 4,025
<TOTAL-ASSETS> 288,632 299,035 293,707 304,362
<DEPOSITS> 262,671 271,492 264,624 274,232
<SHORT-TERM> 431 1,605 2,400 1,657
<LIABILITIES-OTHER> 2,014 1,819 1,619 2,618
<LONG-TERM> 0 0 0 0
0 0 0 0
0 0 0 0
<COMMON> 18,923 19,055 19,232 19,394
<OTHER-SE> 4,593 5,064 5,832 6,461
<TOTAL-LIABILITIES-AND-EQUITY> 288,632 299,035 293,707 304,362
<INTEREST-LOAN> 4,281 9,140 14,369 19,056
<INTEREST-INVEST> 571 1,201 1,912 2,614
<INTEREST-OTHER> 530 987 1,303 1,735
<INTEREST-TOTAL> 5,382 11,328 17,584 23,405
<INTEREST-DEPOSIT> 1,427 2,779 4,174 5,648
<INTEREST-EXPENSE> 1,433 2,798 4,204 5,688
<INTEREST-INCOME-NET> 3,949 8,530 13,380 17,717
<LOAN-LOSSES> 135 240 413 518
<SECURITIES-GAINS> 0 (2) (2) (2)
<EXPENSE-OTHER> 2,995 6,409 9,837 12,786
<INCOME-PRETAX> 1,520 3,377 5,311 7,430
<INCOME-PRE-EXTRAORDINARY> 885 1,938 3,057 4,263
<EXTRAORDINARY> 0 0 0 0
<CHANGES> 0 0 0 0
<NET-INCOME> 885 1,938 3,057 4,263
<EPS-BASIC> 0.23 0.50 0.79 1.10
<EPS-DILUTED> 0.22 0.48 0.75 1.05
<YIELD-ACTUAL> 6.157 6.557 6.767 6.639
<LOANS-NON> 1,608 858 821 1,845
<LOANS-PAST> 1,441 139 209 75
<LOANS-TROUBLED> 0 0 0 0
<LOANS-PROBLEM> 1,489 802 2,136 1,833
<ALLOWANCE-OPEN> 3,785 3,785 3,785 3,785
<CHARGE-OFFS> 46 452 540 592
<RECOVERIES> 52 85 110 314
<ALLOWANCE-CLOSE> 3,926 3,658 3,768 4,025
<ALLOWANCE-DOMESTIC> 3,926 3,658 3,768 4,025
<ALLOWANCE-FOREIGN> 0 0 0 0
<ALLOWANCE-UNALLOCATED> 0 0 0 0
</TABLE>