<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 SIX
MONTHS ENDED JUNE 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                         784,822
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             1,280,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 13,625,469
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     12,098,672
<ALLOWANCE>                                    170,000
<TOTAL-ASSETS>                              29,766,956
<DEPOSITS>                                  20,324,163
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            107,312
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     9,747,990
<OTHER-SE>                                    (412,509)
<TOTAL-LIABILITIES-AND-EQUITY>              29,766,956
<INTEREST-LOAN>                                392,180
<INTEREST-INVEST>                              314,346
<INTEREST-OTHER>                               159,938
<INTEREST-TOTAL>                               866,464
<INTEREST-DEPOSIT>                             332,080
<INTEREST-EXPENSE>                             332,080
<INTEREST-INCOME-NET>                          534,384
<LOAN-LOSSES>                                  110,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                715,109
<INCOME-PRETAX>                               (226,728)
<INCOME-PRE-EXTRAORDINARY>                    (226,728)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                  (139,094)
<EPS-PRIMARY>                                     (.14)
<EPS-DILUTED>                                     (.14)
<YIELD-ACTUAL>                                    4.51
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                60,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              170,000
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        170,000
        

</TABLE>