PEOPLES COMMUNITY CAPITAL CORP
SC 13G, 2000-04-25
STATE COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 13G

                    Under the Securities Exchange Act of 1934

                     People's Community Capital Corporation
                                (Name of Issuer)

                                  Common Stock
                         (Title of Class of Securities)

                                   710879 10 7
                                 (CUSIP Number)

                            Alan J. George, President
                              106-A Park Avenue, SW
                                 Aiken, SC 29801
                            Telephone: (803) 626-2265

(Name, Address and Telephone Number of Person Authorized to Receive Notices and
                                 Communications)

                                 January 1, 2000
             ------------------------------------------------------
             (Date of Event which Requires Filing of this Statement)


         Check the  appropriate box to designate the rule pursuant to which this
schedule is filed.

         [ ]   Rule 13d-1(b)
         [x]   Rule 13d-1(c)
         [ ]   Rule 13d-1(d)


*The  remainder of this cover page shall be filled out for a reporting  person's
initial filing on this form with respect to the subject class of securities, and
for  any  subsequent   amendment   containing   information  which  would  alter
disclosures provided in a prior cover page.

The information required on the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 ("Act") or otherwise  subject to the liabilities of that section of the Act
but  shall be  subject  to all other  provisions  of the Act  (however,  see the
Notes).


<PAGE>
Cusip No. 710879 10 7

                                  SCHEDULE 13G

- --------------------------------------------------------------------------------
1        NAMES OF REPORTING PERSONS
         I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)

         Russell D. Phelon
- --------------------------------------------------------------------------------
2        CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*           (a) |_|
                                                                     (b) |_|
- --------------------------------------------------------------------------------
3        SEC USE ONLY

- --------------------------------------------------------------------------------
4        CITIZENSHIP OR PLACE OF ORGANIZATION

         United States
- --------------------------------------------------------------------------------
    NUMBER OF SHARES       5     SOLE VOTING POWER
  BENEFICIALLY OWNED BY
  EACH REPORTING PERSON          51,000
          WITH
- --------------------------------------------------------------------------------
                           6     SHARED VOTING POWER

- --------------------------------------------------------------------------------
                           7     SOLE DISPOSITIVE POWER

                                 51,000
- --------------------------------------------------------------------------------
                           8     SHARED DISPOSITIVE POWER

- --------------------------------------------------------------------------------
9        AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON

         51,000
- --------------------------------------------------------------------------------
10       CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*  |_|

- --------------------------------------------------------------------------------
11       PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9)

         5.2%
- --------------------------------------------------------------------------------
12       TYPE OF REPORTING PERSON*

         IN

                                      -2-

<PAGE>
Cusip No. 710879 10 7


Item 1(a). Name of Issuer

         The name of the issuer is People's Community Capital Corporation.

Item 1(b). Address of Issuer's Principal Executive Offices

           The  principal  executive  offices of the issuer are located at 106-A
Park Avenue, SW, Aiken, South Carolina 29801

Item 2(a). Name of Persons Filing

           This statement is being filed by Russell D. Phelon.

Item 2(b).        Address of Principal Business Office or, if none, Residence

         106-A Park Avenue, SW, Aiken, South Carolina  29801

Item 2(c).        Citizenship

         Russell D. Phelon - United States of America

Item 2(d).        Title of Class of Securities

         This statement relates to Common Stock.

Item 2(e).        CUSIP Number

         The CUSIP Number for People's Community Capital Corporation is
         710879 10 7

Item 3.  This statement is not being filed pursuant to Rules 13 d-1(b) or
         13 d-2 (b)


                                      -3-


<PAGE>

Cusip No. 710879 10 7

Item 4.    Ownership

(a)      Amount Beneficially Owned:
                  Russell D. Phelon 51,000

(b)      Percent of Class:
                  Russell D. Phelon 5.2%

(c)      Number of shares as to which the person has:

(i)      sole power to vote or  to direct the vote

                           Russell D. Phelon         51,000

(ii)     shared power to vote or to direct the vote

                           Russell D. Phelon    0

(iii)    sole power to dispose or to direct the disposition of

                           Russell D. Phelon         51,000

(iv)     shared power to dispose or to direct the disposition of

                           Russell D. Phelon   0

Item 5.    Ownership of Five Percent or Less of a Class

           Not Applicable

Item 6.    Ownership of More than Five Percent on Behalf of Another Person

           Not Applicable.

Item 7.    Identification and Classification of the Subsidiary Which Acquired
           the Security Being Reported on By the Parent Holding Company

           Not Applicable.

Item 8.    Identification and Classification of Members of the Group

           Not Applicable.

                                      -4-


<PAGE>
Cusip No. 710879 10 7


Item 9.    Notice of Dissolution of Group

           Not Applicable.

Item 10. Certification

         By  signing  below I  certify  that,  to the best of my  knowledge  and
belief, the securities  referred to above were not acquired and are not held for
the purpose of or with the effect of changing or influencing  the control of the
issuer of the  securities  and were not acquired and are not held in  connection
with or as a participant in any transaction having that purpose or effect.

         Exhibits/  None.






<PAGE>
Cusip No. 710879 10 7


                                    SIGNATURE

         After reasonable  inquiry and to the best of my knowledge and belief, I
certify that the information  set forth in this statement is true,  complete and
correct.

Dated:  April 18, 2000


                                                 /s/ Russell D. Phelon
                                                 -------------------------------
                                                     Russell D. Phelon, Director




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