<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, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                       1,237,196
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             4,810,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  8,739,773
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     16,239,575
<ALLOWANCE>                                    225,000
<TOTAL-ASSETS>                              32,955,445
<DEPOSITS>                                  23,194,900
<SHORT-TERM>                                   310,414
<LIABILITIES-OTHER>                            110,502
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     9,747,990
<OTHER-SE>                                    (408,388)
<TOTAL-LIABILITIES-AND-EQUITY>              32,955,445
<INTEREST-LOAN>                                728,531
<INTEREST-INVEST>                              490,982
<INTEREST-OTHER>                               204,310
<INTEREST-TOTAL>                             1,423,823
<INTEREST-DEPOSIT>                             540,545
<INTEREST-EXPENSE>                             543,945
<INTEREST-INCOME-NET>                          879,878
<LOAN-LOSSES>                                  165,000
<SECURITIES-GAINS>                                 547
<EXPENSE-OTHER>                              1,072,911
<INCOME-PRETAX>                               (251,691)
<INCOME-PRE-EXTRAORDINARY>                    (251,691)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (154,487)
<EPS-PRIMARY>                                     (.16)
<EPS-DILUTED>                                     (.16)
<YIELD-ACTUAL>                                    4.61
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                60,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              225,000
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        225,000
        

</TABLE>