<ARTICLE> 9
<LEGEND>
This schedule contains financial information extracted from the consolidated
financial statements of PCB Holding Company for the nine months ended September
30, 1999 and is qualified in its entirety by reference to such financial
statements. (Dollars in thousands.)
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                             154
<INT-BEARING-DEPOSITS>                           2,080
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      1,138
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         23,816
<ALLOWANCE>                                         52
<TOTAL-ASSETS>                                  27,830
<DEPOSITS>                                      19,865
<SHORT-TERM>                                     2,000
<LIABILITIES-OTHER>                                 78
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,818
<OTHER-SE>                                       2,069
<TOTAL-LIABILITIES-AND-EQUITY>                  27,830
<INTEREST-LOAN>                                  1,235
<INTEREST-INVEST>                                   66
<INTEREST-OTHER>                                    75
<INTEREST-TOTAL>                                 1,376
<INTEREST-DEPOSIT>                                 727
<INTEREST-EXPENSE>                                 740
<INTEREST-INCOME-NET>                              636
<LOAN-LOSSES>                                        5
<SECURITIES-GAINS>                                 (25)
<EXPENSE-OTHER>                                    478
<INCOME-PRETAX>                                    147
<INCOME-PRE-EXTRAORDINARY>                         147
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        92
<EPS-BASIC>                                        .23
<EPS-DILUTED>                                      .23
<YIELD-ACTUAL>                                    7.09
<LOANS-NON>                                          0
<LOANS-PAST>                                        75
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                    51
<CHARGE-OFFS>                                        4
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                   52
<ALLOWANCE-DOMESTIC>                                52
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0