<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET OF COBANCORP INC. AND SUBSIDIARY AS OF SEPTEMBER 30,
1996, AND THE RELATED STATEMENTS OF INCOME, CASH FLOWS AND SHAREHOLDERS' EQUITY
FOR THE NINE MONTHS THEN ENDED AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000745276
<NAME> COBANCORP INC.
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          28,536
<INT-BEARING-DEPOSITS>                           2,699
<FED-FUNDS-SOLD>                                 1,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    166,241
<INVESTMENTS-CARRYING>                          28,384
<INVESTMENTS-MARKET>                            29,910
<LOANS>                                        333,734
<ALLOWANCE>                                      5,994
<TOTAL-ASSETS>                                 594,297
<DEPOSITS>                                     515,351
<SHORT-TERM>                                    23,759
<LIABILITIES-OTHER>                              4,415
<LONG-TERM>                                          0
<COMMON>                                         5,896
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      44,876
<TOTAL-LIABILITIES-AND-EQUITY>                 594,297
<INTEREST-LOAN>                                 22,619
<INTEREST-INVEST>                                9,250
<INTEREST-OTHER>                                   324
<INTEREST-TOTAL>                                32,193
<INTEREST-DEPOSIT>                              12,208
<INTEREST-EXPENSE>                              12,693
<INTEREST-INCOME-NET>                           19,500
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                 294
<EXPENSE-OTHER>                                 19,307
<INCOME-PRETAX>                                  5,409
<INCOME-PRE-EXTRAORDINARY>                       5,409
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,550
<EPS-PRIMARY>                                     1.32
<EPS-DILUTED>                                     1.32
<YIELD-ACTUAL>                                    5.14
<LOANS-NON>                                        611
<LOANS-PAST>                                        72
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,850
<CHARGE-OFFS>                                      607
<RECOVERIES>                                       651
<ALLOWANCE-CLOSE>                                5,994
<ALLOWANCE-DOMESTIC>                             5,223
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            771
        

</TABLE>