<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from
the Consolidated Balance Sheets as of March 31, 1999, and December 31,
1998, and the related Consolidated Statements of Income for the three
months ended March 31, 1999 and 1998, and is qualified in its entirety
by reference to such financial statements.
</LEGEND>
<CIK> 0001022103
<NAME> HOME CITY FINANCIAL CORPORATION
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                           1,147
<INT-BEARING-DEPOSITS>                             571
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      3,791
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         81,522
<ALLOWANCE>                                        493
<TOTAL-ASSETS>                                  88,814
<DEPOSITS>                                      62,085
<SHORT-TERM>                                     2,926
<LIABILITIES-OTHER>                                494
<LONG-TERM>                                     12,395
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      10,914
<TOTAL-LIABILITIES-AND-EQUITY>                  88,814
<INTEREST-LOAN>                                  1,773
<INTEREST-INVEST>                                   53
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 1,826
<INTEREST-DEPOSIT>                                 769
<INTEREST-EXPENSE>                                 968
<INTEREST-INCOME-NET>                              858
<LOAN-LOSSES>                                       17
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    539
<INCOME-PRETAX>                                    323
<INCOME-PRE-EXTRAORDINARY>                         219
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       219
<EPS-PRIMARY>                                     0.28
<EPS-DILUTED>                                     0.25
<YIELD-ACTUAL>                                    4.07
<LOANS-NON>                                          0
<LOANS-PAST>                                       294
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    468
<ALLOWANCE-OPEN>                                   486
<CHARGE-OFFS>                                       10
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  493
<ALLOWANCE-DOMESTIC>                               493
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             90
        

</TABLE>