<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM COMBANC,
INC. AND SUBSIDIARY CONSOLIDATED BALANCE SHEET AT SEPTEMBER 30, 1999 AND THE
CONSOLIDATED INCOME STATEMENT FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1999 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE OF SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           5,282
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                    28
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                            44,274
<LOANS>                                        157,330
<ALLOWANCE>                                      1,924
<TOTAL-ASSETS>                                 209,934
<DEPOSITS>                                     164,939
<SHORT-TERM>                                    14,414
<LIABILITIES-OTHER>                              4,258
<LONG-TERM>                                      3,559
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,237
<OTHER-SE>                                      21,527
<TOTAL-LIABILITIES-AND-EQUITY>                 209,934
<INTEREST-LOAN>                                  9,364
<INTEREST-INVEST>                                1,866
<INTEREST-OTHER>                                    34
<INTEREST-TOTAL>                                11,264
<INTEREST-DEPOSIT>                               4,753
<INTEREST-EXPENSE>                               5,076
<INTEREST-INCOME-NET>                            6,188
<LOAN-LOSSES>                                      270
<SECURITIES-GAINS>                                  52
<EXPENSE-OTHER>                                  3,814
<INCOME-PRETAX>                                  2,545
<INCOME-PRE-EXTRAORDINARY>                       2,545
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,790
<EPS-BASIC>                                       0.75
<EPS-DILUTED>                                     0.75
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        873
<LOANS-PAST>                                       408
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,800
<CHARGE-OFFS>                                      178
<RECOVERIES>                                        32
<ALLOWANCE-CLOSE>                                1,924
<ALLOWANCE-DOMESTIC>                             1,924
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>