<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION AND CONSOLIDATED STATEMENTS OF
OPERATIONS OF OHIO STATE FINANCIAL SERVICES, INC. FOR THE FISCAL YEAR ENDED
DECEMBER 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                             918
<INT-BEARING-DEPOSITS>                           5,573
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                        415
<INVESTMENTS-CARRYING>                           3,694
<INVESTMENTS-MARKET>                             3,509
<LOANS>                                         24,141
<ALLOWANCE>                                        141
<TOTAL-ASSETS>                                  35,534
<DEPOSITS>                                      25,540
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                390
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                       8,604
<TOTAL-LIABILITIES-AND-EQUITY>                  34,534
<INTEREST-LOAN>                                  1,832
<INTEREST-INVEST>                                  543
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,375
<INTEREST-DEPOSIT>                                 995
<INTEREST-EXPENSE>                               1,004
<INTEREST-INCOME-NET>                            1,371
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,131
<INCOME-PRETAX>                                    267
<INCOME-PRE-EXTRAORDINARY>                         176
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       176
<EPS-BASIC>                                        .35
<EPS-DILUTED>                                      .33
<YIELD-ACTUAL>                                    4.12
<LOANS-NON>                                          0
<LOANS-PAST>                                         1
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   141
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  141
<ALLOWANCE-DOMESTIC>                               141
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>