<TABLE> <S> <C>



<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION OF WESTERN RESERVE BANCORP, INC.
AS OF MARCH 31, 2000 AND THE RELATED STATEMENTS OF INCOME AND CASH FLOWS FOR THE
PERIODS THEN ENDED AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                       1,087,651
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             3,162,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,877,850
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     27,363,854
<ALLOWANCE>                                    348,754
<TOTAL-ASSETS>                              38,463,598
<DEPOSITS>                                  33,288,038
<SHORT-TERM>                                   266,989
<LIABILITIES-OTHER>                             54,020
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       320,267
<OTHER-SE>                                   4,534,284
<TOTAL-LIABILITIES-AND-EQUITY>              38,463,598
<INTEREST-LOAN>                                564,270
<INTEREST-INVEST>                               90,622
<INTEREST-OTHER>                                21,405
<INTEREST-TOTAL>                               676,297
<INTEREST-DEPOSIT>                             298,568
<INTEREST-EXPENSE>                             301,318
<INTEREST-INCOME-NET>                          374,979
<LOAN-LOSSES>                                   56,500
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                345,016
<INCOME-PRETAX>                                  1,036
<INCOME-PRE-EXTRAORDINARY>                       1,036
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,036
<EPS-BASIC>                                       0.00
<EPS-DILUTED>                                     0.00
<YIELD-ACTUAL>                                    4.53
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               307,000
<CHARGE-OFFS>                                   14,746
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              348,754
<ALLOWANCE-DOMESTIC>                           348,754
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>