<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM REGISTRANT'S
FORM 10-Q DATED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 4,451,169
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 21,825,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 24,000
<INVESTMENTS-CARRYING> 28,622,357
<INVESTMENTS-MARKET> 28,604,471
<LOANS> 109,657,718
<ALLOWANCE> 1,448,000
<TOTAL-ASSETS> 167,558,634
<DEPOSITS> 152,664,268
<SHORT-TERM> 0
<LIABILITIES-OTHER> 1,562,209
<LONG-TERM> 0
0
0
<COMMON> 356,844
<OTHER-SE> 12,687,203
<TOTAL-LIABILITIES-AND-EQUITY> 167,558,634
<INTEREST-LOAN> 4,479,431
<INTEREST-INVEST> 763,706
<INTEREST-OTHER> 745,636
<INTEREST-TOTAL> 5,988,773
<INTEREST-DEPOSIT> 3,174,156
<INTEREST-EXPENSE> 3,174,156
<INTEREST-INCOME-NET> 2,814,617
<LOAN-LOSSES> 234,362
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,360,891
<INCOME-PRETAX> 654,900
<INCOME-PRE-EXTRAORDINARY> 654,900
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 411,759
<EPS-BASIC> 1.23
<EPS-DILUTED> 1.23
<YIELD-ACTUAL> .075
<LOANS-NON> 903,000
<LOANS-PAST> 0
<LOANS-TROUBLED> 414,000
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,379,000
<CHARGE-OFFS> 196,804
<RECOVERIES> 31,442
<ALLOWANCE-CLOSE> 1,448,000
<ALLOWANCE-DOMESTIC> 24,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,424,000
</TABLE>