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                                  10-K/A NO. 2
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D. C. 20549

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                       AMENDMENT TO APPLICATION OR REPORT
                  FILED PURSUANT TO SECTION 12,13, OR 15 (d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

                            SECURITY BANC CORPORATION
               (EXACT NAME OF REGISTRANT AS SPECIFIED IN CHARTER)



The undersigned registrant hereby amends the following items, financial
statements, exhibits or other portions of its Annual Report on Form 10-K for the
year ended December 31, 1996, as set forth in the pages attached hereto:



          ITEM 14 EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM
          8-K

          (a) Report of Independent Auditors -- Signature in typed form

          (b) Separate report of other auditors pursuant to Rule 2-05 of
          Regulation SX

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this amendment to be signed on its behalf by the
undersigned, thereunto duly authorized.

SECURITY BANC CORPORATION


By /s/ Thomas L. Miller                                Date: December 5, 1997
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   Thomas L. Miller
   Vice President/Controller


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REPORT OF INDEPENDENT AUDITORS



        Board of Directors

        Security Banc Corporation



                  We have audited the accompanying consolidated statement of
        condition of Security Banc Corporation and subsidiaries as of December
        31, 1996 and 1995, and the related consolidated statements of income,
        shareholders' equity, and cash flows for each of the three years in the
        period ended December 31, 1996. These financial statements are the
        responsibility of Security Banc Corporation's management. Our
        responsibility is to express an opinion on these financial statements
        based on our audits. The consolidated financial statements give
        retroactive effect to the merger of Security Banc Corporation and Citnat
        Bancorp (Citnat), which as been accounted for using the pooling of
        interests accounting method as described in Note 2 to the consolidated
        financial statements. We did not audit the 1995 and 1994 financial
        statements of Citnat, which statements reflect total assets constituting
        26% for 1995 and net income constituting 15% for 1995 and 14% for 1994
        of the related consolidated financial statement totals. Those statements
        were audited by other auditors whose report has been furnished to us,
        and our opinion, insofar as it relates to the amounts included for
        Citnat, is based solely on the report of other auditors.

                  We conducted our audits in accordance with generally accepted
        auditing standards. Those standards require that we plan and perform the
        audit to obtain reasonable assurance about whether the financial
        statements are free of material misstatement. An audit includes
        examining, on a test basis, evidence supporting the amounts and
        disclosures in the financial statements. An audit also includes
        assessing the accounting principles used and significant estimates made
        by management, as well as evaluating the overall financial statement
        presentation. We believe that our audits provide a reasonable basis for
        our opinion.

                  In our opinion based on our audits and for 1995 and 1994 the
        reports of other auditors, the financial statements referred to above
        present fairly, in all material respects, the consolidated financial
        position of Security Banc Corporation and subsidiaries at December 31,
        1996 and 1995, and the consolidated results of their operations and
        their cash flows for each of the three years in the period ended
        December 31, 1996, in conformity with generally accepted accounting
        principles.


        /s/ Ernst and Young


        Columbus, Ohio

        January 23, 1997

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                         REPORT OF INDEPENDENT AUDITORS


Shareholders and Board of Directors
CitNat Bancorp, Inc.
Urbana, Ohio

We have audited the accompanying consolidated balance sheets of CitNat Bancorp,
Inc. as of December 31, 1995 and 1994, and the related consolidated statements
of income, changes in shareholders' equity, and cash flows for the years then
ended. These consolidated financial statements are the responsibility of
management. Our responsibility is to express an opinion on these consolidated
financial statements based on our audits.

We conducted our audits in accordance with generally accepted auditing
standards. Those standards require that we plan and perform the audit to obtain
reasonable assurance about whether the consolidated financial statements are
free of material misstatement. An audit includes examining, on a test basis,
evidence supporting the amounts and disclosures in the consolidated financial
statements. An audit also includes assessing the accounting principles used and
significant estimates made by management, as well as evaluating the overall
consolidated financial statement presentation. We believe that our audits
provide a reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to above present
fairly, in all material respects, the financial position of CitNat Bancorp, Inc.
as of December 31, 1995 and 1994, and the results of its operations and cash
flows for the years then ended in conformity with generally accepted accounting
principles.

As discussed in Note 1 to the financial statements, the Company changed its
method of accounting for impaired loans in 1995 and certain investment
securities in 1994 to comply with new accounting guidance.


                                              /s/Crowe, Chizek and Company LLP


Columbus, Ohio
January 5, 1996

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