<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 NINE
MONTH PERIOD ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0001037249
<NAME> PEOPLE'S COMMUNITY CAPITAL CORPORATION

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       1,537,213
<INT-BEARING-DEPOSITS>                           5,146
<FED-FUNDS-SOLD>                             3,940,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 11,250,619
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     28,533,744
<ALLOWANCE>                                    380,000
<TOTAL-ASSETS>                              47,159,243
<DEPOSITS>                                  36,617,112
<SHORT-TERM>                                 1,006,319
<LIABILITIES-OTHER>                            101,116
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,982
<OTHER-SE>                                   9,424,715
<TOTAL-LIABILITIES-AND-EQUITY>              47,159,243
<INTEREST-LOAN>                              1,708,255
<INTEREST-INVEST>                              427,343
<INTEREST-OTHER>                               136,160
<INTEREST-TOTAL>                             2,271,758
<INTEREST-DEPOSIT>                             747,813
<INTEREST-EXPENSE>                             759,142
<INTEREST-INCOME-NET>                        1,512,616
<LOAN-LOSSES>                                   96,402
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,234,775
<INCOME-PRETAX>                                401,733
<INCOME-PRE-EXTRAORDINARY>                     401,733
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   248,257
<EPS-BASIC>                                        .25
<EPS-DILUTED>                                      .24
<YIELD-ACTUAL>                                    5.28
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               285,000
<CHARGE-OFFS>                                    1,402
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              380,000
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        380,000


</TABLE>