<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the
Consolidated Balance Sheets as of September 30, 1998 and December 31, 1997, and
the related Consolidated Statements of Income and Comprehensive Income for the
three and nine months ended September 30, 1998 and 1997, 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-31-1998
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               SEP-30-1998
<EXCHANGE-RATE>                                      1
<CASH>                                           1,343
<INT-BEARING-DEPOSITS>                             395
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,095
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         73,147
<ALLOWANCE>                                        478
<TOTAL-ASSETS>                                  80,766
<DEPOSITS>                                      58,181
<SHORT-TERM>                                     5,300
<LIABILITIES-OTHER>                                567
<LONG-TERM>                                      5,693
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      11,025
<TOTAL-LIABILITIES-AND-EQUITY>                  80,766
<INTEREST-LOAN>                                  1,714
<INTEREST-INVEST>                                   50
<INTEREST-OTHER>                                     6
<INTEREST-TOTAL>                                 1,770
<INTEREST-DEPOSIT>                                 754
<INTEREST-EXPENSE>                                 913
<INTEREST-INCOME-NET>                              857
<LOAN-LOSSES>                                       21
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    493
<INCOME-PRETAX>                                    370
<INCOME-PRE-EXTRAORDINARY>                         250
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       250
<EPS-PRIMARY>                                     0.31
<EPS-DILUTED>                                     0.27
<YIELD-ACTUAL>                                    4.46
<LOANS-NON>                                        237
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    271
<ALLOWANCE-OPEN>                                   447
<CHARGE-OFFS>                                        0
<RECOVERIES>                                        10
<ALLOWANCE-CLOSE>                                  478
<ALLOWANCE-DOMESTIC>                               478
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            134
        

</TABLE>