<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the
Consolidated Balance Sheets as of June 30, 1999, and December 31, 1998,
and the related Consolidated Statements of Income for the three months
ended June 30, 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>                             APR-01-1999
<PERIOD-END>                               JUN-30-1999
<EXCHANGE-RATE>                                      1
<CASH>                                           1,218
<INT-BEARING-DEPOSITS>                             661
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,355
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         85,050
<ALLOWANCE>                                        492
<TOTAL-ASSETS>                                  93,261
<DEPOSITS>                                      63,926
<SHORT-TERM>                                       926
<LIABILITIES-OTHER>                                493
<LONG-TERM>                                     16,844
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      11,072
<TOTAL-LIABILITIES-AND-EQUITY>                  93,261
<INTEREST-LOAN>                                  1,864
<INTEREST-INVEST>                                   56
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 1,920
<INTEREST-DEPOSIT>                                 780
<INTEREST-EXPENSE>                               1,009
<INTEREST-INCOME-NET>                              911
<LOAN-LOSSES>                                       12
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    582
<INCOME-PRETAX>                                    355
<INCOME-PRE-EXTRAORDINARY>                         250
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       250
<EPS-BASIC>                                       0.32
<EPS-DILUTED>                                     0.28
<YIELD-ACTUAL>                                    4.13
<LOANS-NON>                                        214
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    189
<ALLOWANCE-OPEN>                                   493
<CHARGE-OFFS>                                       13
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  492
<ALLOWANCE-DOMESTIC>                               492
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            124


</TABLE>