<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 SEPTEMBER 30, 1999 AND THE RELATED STATEMENTS OF INCOME AND CASH FLOWS FOR
THE PERIOD THEN ENDED AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                         715,168
<INT-BEARING-DEPOSITS>                         551,148
<FED-FUNDS-SOLD>                             4,299,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,920,980
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     15,952,576
<ALLOWANCE>                                    209,000
<TOTAL-ASSETS>                              28,433,249
<DEPOSITS>                                  23,370,574
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             52,102
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       320,267
<OTHER-SE>                                   4,690,306
<TOTAL-LIABILITIES-AND-EQUITY>              28,433,249
<INTEREST-LOAN>                                418,081
<INTEREST-INVEST>                              129,171
<INTEREST-OTHER>                               395,667
<INTEREST-TOTAL>                               942,919
<INTEREST-DEPOSIT>                             430,078
<INTEREST-EXPENSE>                             430,078
<INTEREST-INCOME-NET>                          512,841
<LOAN-LOSSES>                                  197,300
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                962,729
<INCOME-PRETAX>                              (604,433)
<INCOME-PRE-EXTRAORDINARY>                   (604,433)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 (604,433)
<EPS-BASIC>                                     (1.89)
<EPS-DILUTED>                                   (1.89)
<YIELD-ACTUAL>                                    3.31
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                11,700
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              209,000
<ALLOWANCE-DOMESTIC>                           209,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,144


</TABLE>