<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 June 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>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                       1,139,378
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             2,172,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,881,215
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     31,742,669
<ALLOWANCE>                                    400,309
<TOTAL-ASSETS>                              41,796,428
<DEPOSITS>                                  36,662,862
<SHORT-TERM>                                   160,666
<LIABILITIES-OTHER>                             78,926
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       320,267
<OTHER-SE>                                   4,573,707
<TOTAL-LIABILITIES-AND-EQUITY>              41,976,428
<INTEREST-LOAN>                              1,246,285
<INTEREST-INVEST>                              182,062
<INTEREST-OTHER>                                66,072
<INTEREST-TOTAL>                             1,494,419
<INTEREST-DEPOSIT>                             675,613
<INTEREST-EXPENSE>                             681,016
<INTEREST-INCOME-NET>                          813,403
<LOAN-LOSSES>                                  106,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                724,707
<INCOME-PRETAX>                                 37,210
<INCOME-PRE-EXTRAORDINARY>                      37,210
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    37,210
<EPS-BASIC>                                       0.12
<EPS-DILUTED>                                     0.12
<YIELD-ACTUAL>                                    4.55
<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>                              400,309
<ALLOWANCE-DOMESTIC>                           400,309
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>