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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> 18,631,910
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 15,199,012
<TRADING-ASSETS> 2,290,554
<INVESTMENTS-HELD-FOR-SALE> 60,191,862
<INVESTMENTS-CARRYING> 50,000
<INVESTMENTS-MARKET> 50,000
<LOANS> 277,003,709
<ALLOWANCE> 2,959,862
<TOTAL-ASSETS> 384,404,369
<DEPOSITS> 287,737,782
<SHORT-TERM> 64,953,450
<LIABILITIES-OTHER> 1,836,225
<LONG-TERM> 0
0
0
<COMMON> 2,707,733
<OTHER-SE> 27,175,179
<TOTAL-LIABILITIES-AND-EQUITY> 384,404,369
<INTEREST-LOAN> 16,432,739
<INTEREST-INVEST> 2,818,312
<INTEREST-OTHER> 543,801
<INTEREST-TOTAL> 19,794,852
<INTEREST-DEPOSIT> 8,186,880
<INTEREST-EXPENSE> 11,618,605
<INTEREST-INCOME-NET> 8,176,247
<LOAN-LOSSES> 360,000
<SECURITIES-GAINS> 74,436
<EXPENSE-OTHER> 11,889,570
<INCOME-PRETAX> 1,737,033
<INCOME-PRE-EXTRAORDINARY> 1,334,964
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,334,964
<EPS-BASIC> .49
<EPS-DILUTED> .49
<YIELD-ACTUAL> 3.16
<LOANS-NON> 569,061
<LOANS-PAST> 862,030
<LOANS-TROUBLED> 319,607
<LOANS-PROBLEM> 3,972,951
<ALLOWANCE-OPEN> 2,842,399
<CHARGE-OFFS> 303,176
<RECOVERIES> 91,297
<ALLOWANCE-CLOSE> 2,959,862
<ALLOWANCE-DOMESTIC> 2,959,862
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,143,844
</TABLE>
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