<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS OF APPALACHIAN BANCSHARES, INC. FOR THE YEAR
ENDED DECEMBER 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 
FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                       5,481,853
<INT-BEARING-DEPOSITS>                         407,229
<FED-FUNDS-SOLD>                            18,392,213
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 21,940,281
<INVESTMENTS-CARRYING>                       6,218,354
<INVESTMENTS-MARKET>                         6,457,522
<LOANS>                                    129,831,095
<ALLOWANCE>                                 (1,686,395)
<TOTAL-ASSETS>                             189,744,950
<DEPOSITS>                                 163,861,478
<SHORT-TERM>                                 2,478,344
<LIABILITIES-OTHER>                            918,291
<LONG-TERM>                                 11,007,143
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     6,835,940
<OTHER-SE>                                   4,643,754
<TOTAL-LIABILITIES-AND-EQUITY>             189,744,950
<INTEREST-LOAN>                              9,614,165
<INTEREST-INVEST>                            1,385,752
<INTEREST-OTHER>                               271,075
<INTEREST-TOTAL>                            11,270,992
<INTEREST-DEPOSIT>                           5,891,798
<INTEREST-EXPENSE>                           6,498,219
<INTEREST-INCOME-NET>                        4,772,773
<LOAN-LOSSES>                                  300,000
<SECURITIES-GAINS>                              15,950
<EXPENSE-OTHER>                              3,221,213
<INCOME-PRETAX>                              1,780,481
<INCOME-PRE-EXTRAORDINARY>                   1,780,481
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,208,231
<EPS-PRIMARY>                                     1.04
<EPS-DILUTED>                                     0.99
<YIELD-ACTUAL>                                    9.30
<LOANS-NON>                                      4,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,498,149
<ALLOWANCE-OPEN>                               929,590
<CHARGE-OFFS>                                  136,222
<RECOVERIES>                                    34,947
<ALLOWANCE-CLOSE>                            1,686,395
<ALLOWANCE-DOMESTIC>                         1,686,395
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>