<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, 1999 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-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                         634,455
<INT-BEARING-DEPOSITS>                       1,761,631
<FED-FUNDS-SOLD>                            13,950,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      2,733,775
<ALLOWANCE>                                     37,700
<TOTAL-ASSETS>                              20,104,594
<DEPOSITS>                                  14,551,876
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             86,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       320,267
<OTHER-SE>                                   5,146,451
<TOTAL-LIABILITIES-AND-EQUITY>              20,104,594
<INTEREST-LOAN>                                 28,873
<INTEREST-INVEST>                                2,611
<INTEREST-OTHER>                               159,617
<INTEREST-TOTAL>                               191,101
<INTEREST-DEPOSIT>                              91,847
<INTEREST-EXPENSE>                              91,847
<INTEREST-INCOME-NET>                           99,254
<LOAN-LOSSES>                                   26,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                311,057
<INCOME-PRETAX>                              (225,160)
<INCOME-PRE-EXTRAORDINARY>                   (225,160)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 (225,160)
<EPS-PRIMARY>                                   (0.70)
<EPS-DILUTED>                                   (0.70)
<YIELD-ACTUAL>                                    2.65
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                11,700
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                               37,700
<ALLOWANCE-DOMESTIC>                            37,700
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,656
        

</TABLE>