<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<S> <C> <C>
<PERIOD-TYPE> 9-MOS 9-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-START> JAN-01-2000 JAN-01-1999
<PERIOD-END> SEP-30-2000 SEP-30-1999
<CASH> 4,719,107 4,368,562
<INT-BEARING-DEPOSITS> 0 0
<FED-FUNDS-SOLD> 3,140,000 1,440,000
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 27,476,741 21,687,711
<INVESTMENTS-CARRYING> 27,476,741 21,687,711
<INVESTMENTS-MARKET> 27,476,741 21,687,711
<LOANS> 102,159,791 91,381,870
<ALLOWANCE> 1,572,777 1,305,771
<TOTAL-ASSETS> 147,993,227 124,508,635
<DEPOSITS> 113,829,195 98,940,671
<SHORT-TERM> 0 0
<LIABILITIES-OTHER> 6,733,948 5,251,466
<LONG-TERM> 12,080,922 5,755,000
0 0
0 0
<COMMON> 5,977,690 5,946,040
<OTHER-SE> 9,371,472 8,615,458
<TOTAL-LIABILITIES-AND-EQUITY> 147,993,227 124,508,635
<INTEREST-LOAN> 8,125,997 6,557,734
<INTEREST-INVEST> 1,308,530 949,120
<INTEREST-OTHER> 148,718 112,208
<INTEREST-TOTAL> 9,583,245 7,619,062
<INTEREST-DEPOSIT> 3,360,690 2,310,892
<INTEREST-EXPENSE> 4,038,336 2,594,859
<INTEREST-INCOME-NET> 5,544,909 5,024,203
<LOAN-LOSSES> 445,824 553,911
<SECURITIES-GAINS> 154,814 0
<EXPENSE-OTHER> 5,899,974 4,904,901
<INCOME-PRETAX> 952,307 932,083
<INCOME-PRE-EXTRAORDINARY> 716,802 653,497
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 716,802 653,497
<EPS-BASIC> .30 .28
<EPS-DILUTED> .29 .27
<YIELD-ACTUAL> 0 0
<LOANS-NON> 0 0
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
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<RECOVERIES> 0 0
<ALLOWANCE-CLOSE> 0 0
<ALLOWANCE-DOMESTIC> 0 0
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0
</TABLE>