<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM COMBANC,
INC. AND SUBSIDIARY CONSOLIDATED BALANCE SHEET AT MARCH 31, 1999 AND THE
CONSOLIDATED INCOME STATEMENT FOR THE THREE MONTHS ENDED MARCH 31, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                           3,446
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   104
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                            41,576
<LOANS>                                        148,019
<ALLOWANCE>                                      1,836
<TOTAL-ASSETS>                                 195,662
<DEPOSITS>                                     163,927
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              4,124
<LONG-TERM>                                      4,880
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,237
<OTHER-SE>                                      21,494
<TOTAL-LIABILITIES-AND-EQUITY>                 195,662
<INTEREST-LOAN>                                  3,006
<INTEREST-INVEST>                                  593
<INTEREST-OTHER>                                    17
<INTEREST-TOTAL>                                 3,616
<INTEREST-DEPOSIT>                               1,572
<INTEREST-EXPENSE>                               1,635
<INTEREST-INCOME-NET>                            1,981
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,290
<INCOME-PRETAX>                                    705
<INCOME-PRE-EXTRAORDINARY>                         705
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       493
<EPS-PRIMARY>                                     0.21
<EPS-DILUTED>                                     0.21
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        611
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,800
<CHARGE-OFFS>                                       82
<RECOVERIES>                                        28
<ALLOWANCE-CLOSE>                                1,836
<ALLOWANCE-DOMESTIC>                             1,836
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>