<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, 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>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                       1,083,962
<INT-BEARING-DEPOSITS>                       1,338,102
<FED-FUNDS-SOLD>                             7,385,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,952,243
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      9,039,395
<ALLOWANCE>                                    123,000
<TOTAL-ASSETS>                              25,835,097
<DEPOSITS>                                  20,584,464
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             66,455
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       320,267
<OTHER-SE>                                   4,863,911
<TOTAL-LIABILITIES-AND-EQUITY>              25,835,097
<INTEREST-LOAN>                                144,720
<INTEREST-INVEST>                               38,979
<INTEREST-OTHER>                               314,000
<INTEREST-TOTAL>                               497,699
<INTEREST-DEPOSIT>                             239,264
<INTEREST-EXPENSE>                             239,264
<INTEREST-INCOME-NET>                          258,435
<LOAN-LOSSES>                                  111,300
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                635,017
<INCOME-PRETAX>                              (462,110)
<INCOME-PRE-EXTRAORDINARY>                   (462,110)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 (462,110)
<EPS-BASIC>                                     (1.44)
<EPS-DILUTED>                                   (1.44)
<YIELD-ACTUAL>                                    2.86
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                11,700
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              123,000
<ALLOWANCE-DOMESTIC>                           119,808
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,192


</TABLE>