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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> 10,079,802
<INT-BEARING-DEPOSITS> 66,590,791
<FED-FUNDS-SOLD> 4,310,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 33,170,615
<INVESTMENTS-CARRYING> 3,342,044
<INVESTMENTS-MARKET> 3,280,535
<LOANS> 63,765,546
<ALLOWANCE> 1,359,044
<TOTAL-ASSETS> 126,649,600
<DEPOSITS> 101,495,796
<SHORT-TERM> 858,988
<LIABILITIES-OTHER> 2,285,681
<LONG-TERM> 10,898,615
0
0
<COMMON> 6,089,659
<OTHER-SE> 5,020,861
<TOTAL-LIABILITIES-AND-EQUITY> 126,649,600
<INTEREST-LOAN> 4,687,102
<INTEREST-INVEST> 1,884,337
<INTEREST-OTHER> 2,242
<INTEREST-TOTAL> 6,573,681
<INTEREST-DEPOSIT> 1,750,731
<INTEREST-EXPENSE> 2,282,276
<INTEREST-INCOME-NET> 4,291,405
<LOAN-LOSSES> 257,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,874,311
<INCOME-PRETAX> 1,585,671
<INCOME-PRE-EXTRAORDINARY> 1,585,671
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,008,371
<EPS-BASIC> 1.01
<EPS-DILUTED> .84
<YIELD-ACTUAL> 5.32
<LOANS-NON> 933,446
<LOANS-PAST> 1,334,079
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,277,141
<CHARGE-OFFS> 293,105
<RECOVERIES> 118,008
<ALLOWANCE-CLOSE> 1,359,044
<ALLOWANCE-DOMESTIC> 1,359,004
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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