<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, 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>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       1,162,456
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             3,841,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,925,795
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     33,863,116
<ALLOWANCE>                                    442,309
<TOTAL-ASSETS>                              45,675,611
<DEPOSITS>                                  39,988,393
<SHORT-TERM>                                   382,686
<LIABILITIES-OTHER>                             56,966
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       320,267
<OTHER-SE>                                   4,927,299
<TOTAL-LIABILITIES-AND-EQUITY>              45,675,611
<INTEREST-LOAN>                              2,024,850
<INTEREST-INVEST>                              273,543
<INTEREST-OTHER>                               112,200
<INTEREST-TOTAL>                             2,411,593
<INTEREST-DEPOSIT>                           1,122,388
<INTEREST-EXPENSE>                           1,131,601
<INTEREST-INCOME-NET>                        1,279,992
<LOAN-LOSSES>                                  148,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,117,285
<INCOME-PRETAX>                                102,287
<INCOME-PRE-EXTRAORDINARY>                     102,287
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   102,287
<EPS-BASIC>                                       0.32
<EPS-DILUTED>                                     0.32
<YIELD-ACTUAL>                                    4.52
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               307,000
<CHARGE-OFFS>                                   14,746
<RECOVERIES>                                     2,055
<ALLOWANCE-CLOSE>                              442,309
<ALLOWANCE-DOMESTIC>                           442,309
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>