<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATIONED BALANCE SHEET OF COBANCORP INC. AND SUBSIDIARY AND THE RELATED
STATEMENTS OF INCOME AND CASH FLOWS, AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                          24,950
<INT-BEARING-DEPOSITS>                           1,168
<FED-FUNDS-SOLD>                                 3,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     86,569
<INVESTMENTS-CARRYING>                          79,962
<INVESTMENTS-MARKET>                            82,549
<LOANS>                                        324,036
<ALLOWANCE>                                      5,930
<TOTAL-ASSETS>                                 540,303
<DEPOSITS>                                     466,442
<SHORT-TERM>                                    22,468
<LIABILITIES-OTHER>                              3,795
<LONG-TERM>                                          0
<COMMON>                                         5,884
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      41,714
<TOTAL-LIABILITIES-AND-EQUITY>                 540,303
<INTEREST-LOAN>                                 22,411
<INTEREST-INVEST>                                7,404
<INTEREST-OTHER>                                    87
<INTEREST-TOTAL>                                29,902
<INTEREST-DEPOSIT>                              11,220
<INTEREST-EXPENSE>                              11,876
<INTEREST-INCOME-NET>                           18,026
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                 244
<EXPENSE-OTHER>                                 15,807
<INCOME-PRETAX>                                  5,501
<INCOME-PRE-EXTRAORDINARY>                       5,501
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,543
<EPS-PRIMARY>                                     1.32
<EPS-DILUTED>                                     1.32
<YIELD-ACTUAL>                                    5.25
<LOANS-NON>                                        364
<LOANS-PAST>                                        95
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,617
<CHARGE-OFFS>                                      442
<RECOVERIES>                                       575
<ALLOWANCE-CLOSE>                                5,930
<ALLOWANCE-DOMESTIC>                             4,919
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,011
                                                     

</TABLE>