<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 DECEMBER 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>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                       1,263,553
<INT-BEARING-DEPOSITS>                           8,063
<FED-FUNDS-SOLD>                               166,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,998,054
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     23,371,219
<ALLOWANCE>                                    307,000
<TOTAL-ASSETS>                              31,542,852
<DEPOSITS>                                  26,603,468
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             71,141
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       320,267
<OTHER-SE>                                   4,547,976
<TOTAL-LIABILITIES-AND-EQUITY>              31,542,852
<INTEREST-LOAN>                                840,495
<INTEREST-INVEST>                              219,547
<INTEREST-OTHER>                               443,669
<INTEREST-TOTAL>                             1,503,711
<INTEREST-DEPOSIT>                             669,607
<INTEREST-EXPENSE>                             669,655
<INTEREST-INCOME-NET>                          834,056
<LOAN-LOSSES>                                  295,300
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,318,614
<INCOME-PRETAX>                              (717,921)
<INCOME-PRE-EXTRAORDINARY>                   (717,921)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 (717,921)
<EPS-BASIC>                                     (2.24)
<EPS-DILUTED>                                   (2.24)
<YIELD-ACTUAL>                                    3.52
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                11,700
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              307,000
<ALLOWANCE-DOMESTIC>                           307,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,763


</TABLE>