<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the
Consolidated Balance Sheets as of September 30, 2000, and December 31, 1999, and
the related Consolidated Statements of Income for the three months ended
September 30, 2000 and 1999, and is qualifed in its entirety by reference to
such financial statements.
</LEGEND>
<CIK> 0001022103
<NAME> HOME CITY FINANCIAL CORPORATION
<MULTIPLIER> 1000
<CURRENCY> US DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JUL-01-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                           1,628
<INT-BEARING-DEPOSITS>                             630
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,612
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        108,170
<ALLOWANCE>                                        474
<TOTAL-ASSETS>                                 119,384
<DEPOSITS>                                      74,613
<SHORT-TERM>                                     5,300
<LIABILITIES-OTHER>                                729
<LONG-TERM>                                     27,360
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      11,382
<TOTAL-LIABILITIES-AND-EQUITY>                 119,384
<INTEREST-LOAN>                                  2,285
<INTEREST-INVEST>                                   87
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,372
<INTEREST-DEPOSIT>                               1,013
<INTEREST-EXPENSE>                               1,495
<INTEREST-INCOME-NET>                              877
<LOAN-LOSSES>                                       15
<SECURITIES-GAINS>                                 (2)
<EXPENSE-OTHER>                                    614
<INCOME-PRETAX>                                    284
<INCOME-PRE-EXTRAORDINARY>                         205
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       205
<EPS-BASIC>                                       0.27
<EPS-DILUTED>                                     0.25
<YIELD-ACTUAL>                                    3.15
<LOANS-NON>                                        201
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    206
<ALLOWANCE-OPEN>                                   488
<CHARGE-OFFS>                                       29
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  474
<ALLOWANCE-DOMESTIC>                               474
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             17


</TABLE>