<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
The schedule contains summary financial information extracted from the
Consolidated Balance Sheets as of December 31,1998 and 1997, and the
related Consolidated Statements of Income for the twelve months ended
December 31, 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>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<EXCHANGE-RATE>                                      1
<CASH>                                           1,147
<INT-BEARING-DEPOSITS>                             787
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      4,251
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         77,472
<ALLOWANCE>                                        486
<TOTAL-ASSETS>                                  85,355
<DEPOSITS>                                      60,499
<SHORT-TERM>                                     3,326
<LIABILITIES-OTHER>                                615
<LONG-TERM>                                     10,045
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      10,870
<TOTAL-LIABILITIES-AND-EQUITY>                  85,355
<INTEREST-LOAN>                                  6,555
<INTEREST-INVEST>                                  225
<INTEREST-OTHER>                                    28
<INTEREST-TOTAL>                                 6,808
<INTEREST-DEPOSIT>                               2,948
<INTEREST-EXPENSE>                               3,486
<INTEREST-INCOME-NET>                            3,322
<LOAN-LOSSES>                                       61
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  1,961
<INCOME-PRETAX>                                  1,398
<INCOME-PRE-EXTRAORDINARY>                         951
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       951
<EPS-PRIMARY>                                     1.17
<EPS-DILUTED>                                     1.04
<YIELD-ACTUAL>                                    4.38
<LOANS-NON>                                        186
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    897
<ALLOWANCE-OPEN>                                   452
<CHARGE-OFFS>                                       40
<RECOVERIES>                                        13
<ALLOWANCE-CLOSE>                                  486
<ALLOWANCE-DOMESTIC>                               486
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                             81
        

</TABLE>