<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM COMBANC,
INC. AND SUBSIDIARY CONSOLIDATED BALANCE SHEET AT JUNE 30 ,1999 AND THE
CONSOLIDATED INCOME STATEMENT FOR THE SIX MONTHS ENDED JUNE 30, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           4,126
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   956
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                            43,567
<LOANS>                                        155,201
<ALLOWANCE>                                      1,890
<TOTAL-ASSETS>                                 206,728
<DEPOSITS>                                     166,847
<SHORT-TERM>                                    12,352
<LIABILITIES-OTHER>                              2,875
<LONG-TERM>                                      2,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,237
<OTHER-SE>                                      21,417
<TOTAL-LIABILITIES-AND-EQUITY>                 206,728
<INTEREST-LOAN>                                  6,148
<INTEREST-INVEST>                                1,224
<INTEREST-OTHER>                                    31
<INTEREST-TOTAL>                                 7,403
<INTEREST-DEPOSIT>                               3,186
<INTEREST-EXPENSE>                               3,315
<INTEREST-INCOME-NET>                            4,088
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,532
<INCOME-PRETAX>                                  1,607
<INCOME-PRE-EXTRAORDINARY>                       1,607
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,147
<EPS-BASIC>                                       0.48
<EPS-DILUTED>                                     0.48
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        614
<LOANS-PAST>                                       502
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,800
<CHARGE-OFFS>                                      121
<RECOVERIES>                                        31
<ALLOWANCE-CLOSE>                                1,890
<ALLOWANCE-DOMESTIC>                             1,890
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>