<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF PEOPLE'S COMMUNITY CAPITAL CORPORATION FOR THE THREE
MONTHS ENDED MARCH 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               MAR-31-1998
<CASH>                                         674,461
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             6,490,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 10,354,120
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      7,804,189
<ALLOWANCE>                                    120,000
<TOTAL-ASSETS>                              27,271,059
<DEPOSITS>                                  17,805,524
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             91,877
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     9,747,990
<OTHER-SE>                                    (374,332)
<TOTAL-LIABILITIES-AND-EQUITY>              27,271,059
<INTEREST-LOAN>                                150,816
<INTEREST-INVEST>                              227,050
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               377,866
<INTEREST-DEPOSIT>                             141,685
<INTEREST-EXPENSE>                             141,685
<INTEREST-INCOME-NET>                          236,181
<LOAN-LOSSES>                                   60,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                352,248
<INCOME-PRETAX>                               (144,028)
<INCOME-PRE-EXTRAORDINARY>                    (144,028)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (88,158)
<EPS-PRIMARY>                                     (.09)
<EPS-DILUTED>                                     (.09)
<YIELD-ACTUAL>                                    4.42
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                60,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              120,000
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        120,000
        

</TABLE>