Exhibit 10.3

CHANGE OF CONTROL AGREEMENT

This Change of Control Agreement (this Agreement) is entered into to be effective as of March 1, 2003 by and among FC Banc Corp, a
bank holding company (FC Banc), The Farmers Citizens Bank, an Ohio-chartered, FDIC-insured bank with its main office in Bucyrus, Ohio (the Bank) (collectively, the Employer), and Anne K. Spreng, a natural person
(Employee).  Employer and Employee are sometimes collectively referred to herein as the Parties and each individually as a Party.

RECITALS

Employee desires to be employed by Employer to serve as Vice
President of the Bank, and Employer desires for Employee to so serve, subject to the terms and conditions hereinafter set forth.

STATEMENT OF AGREEMENT

|NOW THEREFORE, in consideration of the premises and mutual covenants and
agreements hereinafter set forth, the Parties hereby agree as follows:                                                                                                                                                                                                                  
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|1.  EMPLOYMENT.Bank hereby employs Employee as its Vice
President.  In the event of a change in control as below described, Employer agrees to pay to Employee the amount of one years severance pay based upon Employees annual salary for the previous twelve (12) months.  Said
severance pay shall be paid upon Employee giving to Employer written notice.
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|                                                                                                                                                                                                                |  | (1) A purchase or other acquisition by any person, entity or group of persons (within the meaning of section 13(d) or 14(d) of the Securities Exchange Act of 1934, as amended
(the Exchange Act) or any comparable successor provisions), directly or indirectly, which results in the beneficial ownership (within the meaning of Rule 13d-3 promulgated under the Exchange Act) of such person, entity or group of
persons equaling 50% of more of the combined voting power of the then outstanding voting securities of FC Banc entitled to vote generally in the election of directors (Voting Securities); excluding, however, any acquisition (i) by FC
Banc or any person controlled by FC Banc or the Board of Directors of FC Banc, (ii) by any employee benefit plan or related trust sponsored or maintained by FC Banc, (iii) by Employee or (iv) by another group including Employee, but only if Employee
and other executives of FC Banc control such group;                                                                                                                                                                                                                                                                                                               
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|                                                                                                                                                                                                                |  | (2)  A change, within any rolling two-year period beginning with any date on or after the effective date of this Agreement, in the composition of the Board such that the
individuals who constitute the Board (the Incumbent Board) at the beginning of such rolling period cease for any reason to constitute at least a majority of the Board; provided, however, that for purposes of this definition, any
individual who becomes a member of the Board after the effective date of this Agreement, whose election, or nomination for election, by FC Bancs security-holders was approved by a vote of at least a majority of those individuals who are
members of the Board and who were also members of the Incumbent Board shall be considered as though such individual were a member of the Incumbent Board; and provided, further however, that any such individual whose initial assumption of office
occurs as a result of or in connection with either an actual or threatened election contest (as such terms are used in Rule 14a-11 of Regulation 14A promulgated under the Exchange Act) or other actual or threatened solicitation of proxies or
consents by or on behalf of any person other than the Board shall not be so considered as a member of the Incumbent Board;
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|                                                                                                                                                                                                                |  | (3)  A merger, reorganization or consolidation to which FC Banc is a party or a sale or other disposition of all or substantially all of the assets of FC Banc  (each,
a Corporate Transaction); excluding however, any Corporate Transaction pursuant to which (i) persons who were security holders of FC Banc immediately prior to such Corporate Transaction do (solely because of their Voting Securities owned
immediately prior to Corporate Transaction)own immediately thereafter more than 50 percent of the combined voting power entitled to vote in the election of directors of the then outstanding securities or the company surviving the Corporate
Transaction and (ii) individuals who constitute the Incumbent Board will immediately after the consummation of the Corporate Transaction constitute at least a majority of the members of the board of the company surviving such Corporate Transaction;
or                                                                                                                                                                                                                                                                                                                                                              
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|                                                                                                                                                                                                                |  | (4)  Approval by the security-holders of FC Banc of a plan of complete liquidation or dissolution of FC Banc;                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
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|provided however, that notwithstanding anything herein to the contrary, it is the intent of the Parties that any merger or other form of combination,
whether by acquisition of securities or sale of assets or



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|otherwise that is declared by the Incumbent Board to be a combination of equals pursuant to which persons who comprise the Incumbent Board immediately
before such combination will comprise not less than 50 percent of the Board of Directors of the resulting entity after consummation of the combination shall not be a Change of Control.
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|(B)  Good Reason shall exist, in the absence of Cause,
if, during the twelve month period following the occurrence of any Change of Control:                                                                                                                                                                                                     
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|In the event of a change of control, Employee shall be paid in one lump
sum payment with the appropriate local, state and federal taxes withheld.                                                                                                                                                                                                  
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|EMPLOYEE:                                                                                                                                                                                                                                                                                                                                          
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|Anne K. Spreng                                                                                                                                                                                                                                                                                                                                     
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|FC BANC CORP.                                                                                                                                                                                                                                                                                                                                      
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|THE FARMERS CITIZENS BANK                                                                                                                                                                                                                                                                                                                          
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