<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, 1998 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-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                         447,553
<INT-BEARING-DEPOSITS>                       7,019,380
<FED-FUNDS-SOLD>                             2,925,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        865,097
<ALLOWANCE>                                     11,700
<TOTAL-ASSETS>                              12,264,017
<DEPOSITS>                                   5,991,549
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            580,590
<LONG-TERM>                                          0
<COMMON>                                             0
<PREFERRED>                                          0
<PREFERRED-MANDATORY>                          320,267
<OTHER-SE>                                   5,371,611
<TOTAL-LIABILITIES-AND-EQUITY>              12,261,017
<INTEREST-LOAN>                                  6,386
<INTEREST-INVEST>                                1,566
<INTEREST-OTHER>                               190,942
<INTEREST-TOTAL>                               198,894
<INTEREST-DEPOSIT>                              18,215
<INTEREST-EXPENSE>                              18,215
<INTEREST-INCOME-NET>                          180,679
<LOAN-LOSSES>                                   11,700
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                633,382
<INCOME-PRETAX>                              (463,104)
<INCOME-PRE-EXTRAORDINARY>                   (463,104)
<EXTRAORDINARY>                                      0
<CHANGES>                                    (157,848)
<NET-INCOME>                                 (620,952)
<EPS-PRIMARY>                                   (3.58)
<EPS-DILUTED>                                   (3.58)
<YIELD-ACTUAL>                                    4.76
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                               11,700
<ALLOWANCE-DOMESTIC>                            11,700
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            183
        

</TABLE>