<TABLE> <S> <C>

<PAGE>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the 10-Q for
September 30, 2000 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>

<S>                                        <C>
<PERIOD-TYPE>                                 9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          16,743
<INT-BEARING-DEPOSITS>                             207
<FED-FUNDS-SOLD>                                 4,850
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     84,904
<INVESTMENTS-CARRYING>                          28,904
<INVESTMENTS-MARKET>                            27,667
<LOANS>                                        257,705
<ALLOWANCE>                                      3,667
<TOTAL-ASSETS>                                 399,456
<DEPOSITS>                                     318,735
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,583
<LONG-TERM>                                     43,755
                                0
                                          0
<COMMON>                                            40
<OTHER-SE>                                      29,850
<TOTAL-LIABILITIES-AND-EQUITY>                 399,456
<INTEREST-LOAN>                                 16,918
<INTEREST-INVEST>                                4,917
<INTEREST-OTHER>                                   590
<INTEREST-TOTAL>                                22,425
<INTEREST-DEPOSIT>                              10,949
<INTEREST-EXPENSE>                              12,991
<INTEREST-INCOME-NET>                            9,434
<LOAN-LOSSES>                                    2,163
<SECURITIES-GAINS>                                  46
<EXPENSE-OTHER>                                  6,817
<INCOME-PRETAX>                                  3,248
<INCOME-PRE-EXTRAORDINARY>                       3,248
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,148
<EPS-BASIC>                                       0.55
<EPS-DILUTED>                                     0.55
<YIELD-ACTUAL>                                    3.42
<LOANS-NON>                                      6,830
<LOANS-PAST>                                        15
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  8,614
<ALLOWANCE-OPEN>                                 3,775
<CHARGE-OFFS>                                    2,410
<RECOVERIES>                                       139
<ALLOWANCE-CLOSE>                                3,667
<ALLOWANCE-DOMESTIC>                             3,667
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>



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