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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> 25,972,073
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 3,150,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 28,531,854
<INVESTMENTS-CARRYING> 2,428,428
<INVESTMENTS-MARKET> 2,425,765
<LOANS> 336,066,960
<ALLOWANCE> 4,617,531
<TOTAL-ASSETS> 416,588,623
<DEPOSITS> 359,412,153
<SHORT-TERM> 20,000,000
<LIABILITIES-OTHER> 3,878,147
<LONG-TERM> 0
0
0
<COMMON> 17,768,806
<OTHER-SE> 15,529,517
<TOTAL-LIABILITIES-AND-EQUITY> 416,588,623
<INTEREST-LOAN> 24,389,440
<INTEREST-INVEST> 1,449,984
<INTEREST-OTHER> 124,914
<INTEREST-TOTAL> 25,964,338
<INTEREST-DEPOSIT> 6,228,243
<INTEREST-EXPENSE> 7,182,591
<INTEREST-INCOME-NET> 18,781,747
<LOAN-LOSSES> 1,956,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 12,367,716
<INCOME-PRETAX> 8,714,997
<INCOME-PRE-EXTRAORDINARY> 8,714,997
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,313,938
<EPS-BASIC> 0.77
<EPS-DILUTED> 0.76
<YIELD-ACTUAL> 0
<LOANS-NON> 466,000
<LOANS-PAST> 45,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,525,185
<CHARGE-OFFS> (1,006,083)
<RECOVERIES> 142,429
<ALLOWANCE-CLOSE> 4,617,531
<ALLOWANCE-DOMESTIC> 4,617,531
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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