<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF PEOPLE'S COMMUNITY CAPITAL CORPORATION FOR THE SIX MONTH
PERIOD ENDED JUNE 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                       1,587,955
<INT-BEARING-DEPOSITS>                           3,223
<FED-FUNDS-SOLD>                             3,360,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 10,819,057
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     26,541,747
<ALLOWANCE>                                    350,000
<TOTAL-ASSETS>                              44,546,514
<DEPOSITS>                                  33,997,026
<SHORT-TERM>                                 1,000,600
<LIABILITIES-OTHER>                             67,771
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,982
<OTHER-SE>                                   9,471,135
<TOTAL-LIABILITIES-AND-EQUITY>              44,546,514
<INTEREST-LOAN>                              1,086,150
<INTEREST-INVEST>                               92,774
<INTEREST-OTHER>                               255,878
<INTEREST-TOTAL>                             1,434,802
<INTEREST-DEPOSIT>                             464,979
<INTEREST-EXPENSE>                             472,079
<INTEREST-INCOME-NET>                          962,723
<LOAN-LOSSES>                                   65,706
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                807,368
<INCOME-PRETAX>                                236,282
<INCOME-PRE-EXTRAORDINARY>                     236,282
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   146,089
<EPS-BASIC>                                      .15
<EPS-DILUTED>                                      .14
<YIELD-ACTUAL>                                    5.32
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               285,000
<CHARGE-OFFS>                                      706
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              350,000
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        350,000