<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the
Consolidated Balance Sheets as of March 31, 2000, and December 31, 1999, and the
related Consolidated Statements of Income for the three months ended March 31,
2000 and 1999, 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-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<EXCHANGE-RATE>                                      1
<CASH>                                           1,291
<INT-BEARING-DEPOSITS>                             505
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      5,058
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        101,395
<ALLOWANCE>                                        506
<TOTAL-ASSETS>                                 110,688
<DEPOSITS>                                      71,744
<SHORT-TERM>                                     1,800
<LIABILITIES-OTHER>                                559
<LONG-TERM>                                     25,577
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      11,008
<TOTAL-LIABILITIES-AND-EQUITY>                 110,688
<INTEREST-LOAN>                                  2,165
<INTEREST-INVEST>                                   79
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,244
<INTEREST-DEPOSIT>                                 911
<INTEREST-EXPENSE>                               1,284
<INTEREST-INCOME-NET>                              960
<LOAN-LOSSES>                                       15
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    653
<INCOME-PRETAX>                                    339
<INCOME-PRE-EXTRAORDINARY>                         241
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       241
<EPS-BASIC>                                       0.32
<EPS-DILUTED>                                     0.29
<YIELD-ACTUAL>                                    3.68
<LOANS-NON>                                          0
<LOANS-PAST>                                       307
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                     83
<ALLOWANCE-OPEN>                                   491
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  506
<ALLOWANCE-DOMESTIC>                               506
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             64


</TABLE>