U.S. SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                   FORM 10-QSB

(Mark  One)
[X]     QUARTERLY  REPORT  UNDER  SECTION  13  OR  15(d)  OF  THE
        SECURITIES  EXCHANGE  ACT  OF  1934  FOR  THE  QUARTERLY  PERIOD
        ENDED  JUNE  30,  2001.
[  ]    TRANSITION  REPORT  UNDER  SECTION  13  OR  15(d)  OF  THE  SECURITIES
        EXCHANGE  ACT  OF  1934  FOR  THE  TRANSITION  PERIOD  FROM
__________  TO  __________

                       COMMISSION FILE NUMBER  - 33-53596
                                  FC BANC CORP
                                  ------------
        (EXACT NAME OF SMALL BUSINESS ISSUER AS SPECIFIED IN ITS CHARTER)

         OHIO                                           34-1718070
--------------------                                    ----------
(STATE OR OTHER JURISDICTION OF           (I.R.S. EMPLOYER IDENTIFICATION NO.)
INCORPORATION  OR  ORGANIZATION)

Farmers  Citizens  Bank  Building
105  Washington  Square
Box  567,  Bucyrus,  Ohio                               44820-0567
-------------------------                               ----------
(ADDRESS  OF  PRINCIPAL  EXECUTIVE  OFFICES)            (ZIP  CODE)

                                    (419) 562-7040
                                  --------------------
                             (ISSUER'S TELEPHONE NUMBER)

                                        N/A
                                      -----
(FORMER  NAME, FORMER ADDRESS AND FORMER FISCAL YEAR, IF CHANGED SINCE LAST
REPORT)

Check  whether  the issuer (1) filed all reports required to be filed by Section
13  or  15(d) of the Exchange Act during the past 12 months (or for such shorter
period  that the registrant was required to file such reports), and (2) has been
subject to such filing requirements for the past 90 days.      Yes   X      No
                                                                    --

As  of  June  30,  2001,  600,000  common shares of stock of the Registrant were
outstanding.  There  were  no  preferred  shares  outstanding.


                                  FC BANC CORP
                                  BUCYRUS, OHIO
                                   FORM 10-QSB
                                      INDEX


                                                      Page Number

PART  I     FINANCIAL  INFORMATION

Item  1.    Financial  Statements  (Unaudited)

            Consolidated  balance  sheets -                3
            June  30,  2001  and  December  31,  2000

            Consolidated  statements  of  income -         4
            Three  and  six  months  ended  June  30,
            2001  and  2000

            Consolidated  statements  of  changes  in      5
            Shareholders' equity - Six months ended
            June 30, 2001
            And  year  ended  December  31,  2000

            Consolidated statement of cash flows -         6
            Six months ended June 30, 2001 and 2000

            Notes to consolidated financial statements     7
            June  30,  2001  and  December  31,  2000

Item  2.    Management's  Discussion and Analysis of       12
            Financial Condition and Results of Operations

PART  II    OTHER  INFORMATION

Item  1.    Legal Proceedings                              18

Item  2.    Changes in Securities                          18

Item  3.    Defaults upon Senior Securities                18

Item  4.    Submission of Matters to a Vote of Security    18
            Holders

Item  5.    Other Information                              18

Item  6.    Exhibits and Reports on Form 8-K               18

Signatures                                                 19

<TABLE>
<CAPTION>

                                  FC BANC CORP
                                  BUCYRUS, OHIO
                          CONSOLIDATED BALANCE SHEETS
                                                      (Dollars in thousands)
                                                            (Unaudited)
                                                     June 30,    December 31,
                                                       2001          2000
                                                    ----------  --------------
<S>                                                 <C>         <C>
ASSETS
Cash and cash equivalents
Cash and amounts due from banks. . . . . . . . . .  $   3,170   $       3,675
Federal Funds Sold . . . . . . . . . . . . . . . .      3,900           1,200
Interest-bearing demand deposits in other banks. .          9              10
                                                    ----------  --------------

Total cash and cash equivalents. . . . . . . . . .      7,079           4,885

Investment securities, available-for-sale. . . . .     27,848          27,977

Loans. . . . . . . . . . . . . . . . . . . . . . .     64,388          62,679
Allowance for loan losses. . . . . . . . . . . . .     (1,486)         (1,496)
                                                    ----------  --------------

Net loans. . . . . . . . . . . . . . . . . . . . .     62,902          61,183

Premises and equipment, net. . . . . . . . . . . .      2,589           2,041
Accrued interest receivable. . . . . . . . . . . .        769             750
Cash surrender value of life insurance . . . . . .      2,548           2,489
Deferred income taxes. . . . . . . . . . . . . . .        337             391
Other assets . . . . . . . . . . . . . . . . . . .        569             415
                                                    ----------  --------------

TOTAL ASSETS . . . . . . . . . . . . . . . . . . .  $ 104,641   $     100,131
                                                    ==========  ==============

LIABILITIES
Deposits
Noninterest-bearing. . . . . . . . . . . . . . . .  $  11,805   $      11,636
Interest-bearing . . . . . . . . . . . . . . . . .     70,114          73,291
                                                    ----------  --------------

Total deposits . . . . . . . . . . . . . . . . . .     81,919          84,927

Borrowed Funds . . . . . . . . . . . . . . . . . .      9,409           2,258
Accrued interest payable . . . . . . . . . . . . .        175             228
Other liabilities. . . . . . . . . . . . . . . . .      1,077             942
                                                    ----------  --------------

TOTAL LIABILITIES. . . . . . . . . . . . . . . . .     92,580          88,355
                                                    ----------  --------------

SHAREHOLDERS' EQUITY

Common stock of no par value;
4,000,000 shares authorized, 665,632 shares issued        832             832
Additional paid-in capital . . . . . . . . . . . .      1,366           1,366
Retained earnings. . . . . . . . . . . . . . . . .     11,408          11,212
Treasury stock, at cost; 49,387 and 43,441 shares.     (1,700)         (1,560)
Accumulated other comprehensive income . . . . . .        155             (74)
                                                    ----------  --------------

  TOTAL SHAREHOLDERS' EQUITY . . . . . . . . . . .     12,061          11,776
                                                    ----------  --------------
  TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY . . .  $ 104,641   $     100,131
                                                    ==========  ==============
_________________________
See accompanying notes
</TABLE>

<TABLE>
<CAPTION>

                                  FC BANC CORP
                                  BUCYRUS, OHIO
                        CONSOLIDATED STATEMENTS OF INCOME

                                         (Dollars in thousands, except per share amounts)

                                             (unaudited)               (unaudited)
                                           3 Months Ended            6 Months Ended
                                               June 30,                  June 30,
                                            2001     2000            2001     2000
                                            ----     ----            ----     ----
<S>                                        <C>      <C>             <C>      <C>
INTEREST  INCOME
Interest and fees on loans                  $ 1,374  $ 1,275         $ 2,722  $ 2,470
Interest and dividends on investment securities 373      485             752      988
Interest on federal funds sold                   56        3             108        5
                                            -------- -------         -------  -------
    TOTAL INTEREST INCOME                     1,803    1,763           3,582    3,463
                                             ------- -------         -------  -------

INTEREST  EXPENSE
Interest on deposits                            662      698           1,393    1,350
Interest on borrowed funds                       99       13             150       20
                                             ------ --------         -------   ------
    TOTAL INTEREST EXPENSE                      761      711           1,543    1,370
                                            ------- --------         -------   ------

    NET INTEREST INCOME                       1,042    1,052           2,039    2,093
Provision for loan losses                         0      (50)              0      (84)
                                             ------ --------         -------   ------
    NET  INTEREST  INCOME  AFTER
         PROVISION FOR LOAN LOSS              1,042    1,102           2,039    2,177

OTHER  INCOME
Service charges                                 139      130             279      246
Life insurance buildup                           32       33              64       63
Other income                                     17        5              29       12
                                             ------ --------          ------   ------
    TOTAL OTHER INCOME                          188      168             372      321
                                             ------ --------          ------   ------

OTHER  EXPENSES
Salaries and  benefits                          450      440             877      882
Net occupancy and equipment expenses            163      165             340      319
Supplies                                         20       21              43       49
Advertising and public relations                 24       20              45       34
Directors' fees                                  23       19              45       41
Legal and professional                           68       23             108       58
State taxes                                      37       35              75       71
Other expenses                                  195      210             373      360
                                             ------ --------          ------   ------
    TOTAL NON-INTEREST EXPENSE                  980      933           1,906    1,814
                                             ------ --------          ------   ------
    NET  INCOME  BEFORE  FEDERAL  INCOME
         TAX EXPENSE                            250      337             505      684
Federal income tax expense                       57       88             117      181
                                             ------ --------          ------   ------
    NET INCOME                               $  193   $  249          $  388   $  503
                                             ====== ========          ======   ======
EARNINGS  PER  SHARE
Earnings per common share - basic             $0.32    $0.40           $0.64    $0.81
Earnings per common share - diluted           $0.32    $0.40           $0.64    $0.80
_________________________
See accompanying notes
</TABLE>
<TABLE>
<CAPTION>
                                  FC BANC CORP
                                  BUCYRUS, OHIO
           CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY



                                                                    (Dollars in thousands)
                                    Number of Shares                        Amount
                                   ------------------                       ------
                                                                                                  Accumulated
                                                                                                     Other
                                                                 Additional                        Comprehen-   Comprehen-
                                 Common    Treasury    Common      paid-in    Retained   Treasury    sive         sive
                                 Stock       Stock     stock       capital    earnings     Stock    Income       Income
                                 ------    --------    ------    ----------   --------   -------- ------------  ----------
<S>                             <C>       <C>         <C>       <C>          <C>        <C>        <C>           <C>
Balances at December 31, 1999   $665,632  $43,441     $832      $1,371       $10,720    $(1,047)   $(523)
Comprehensive  Income
Net Income                                                                       886                             $886
Other  comprehensive  income,  net  of  tax:
 Change  in  unrealized
 Gain  (loss)  on  securities
 Available-for-sale,  net  of
 Deferred income                                                                                     449          449
                                                                                                               ------
 Total Comprehensive income                                                                                    $1,335
                                                                                                               ======
Dividends  declared-common ($0.64)                                              (394)
 per  share
Sale of treasury stock                     (2,360)                   (5)                      57

Purchase of 19,696 common shares           19,696                                           (570)
                                --------  -------     ----      -------       -------     -------   ------

Balances at December 31, 2000    665,632   60,777      832        1,366        11,212     (1,560)    ( 74)
Comprehensive  Income
Net Income                                                                        388                          $  388
Other  comprehensive  income
 Change  in  unrealized
 Gain  (loss)  on  securities
 Available-for-sale,  net  of
 Deferred income tax                                                                                  229         229
                                                                                                               ------
 Total Comprehensive income                                                                                    $  617
                                                                                                               ======
Dividends declared - common ($0.32)
 per share                                                                       (192)
Purchase of 4,855 common shares             4,855                                           (140)
                                --------  --------     ------     ------      ------     --------  ------
Balances at June 30, 2001       $665,632   $65,632     $832       $1,366      $11,408    $(1,700)  $  155
                                ========  ========     ====       ======      =======    ========  ======
_________________________
See accompanying notes
</TABLE>
<TABLE>
<CAPTION>

                                  FC BANC CORP
                                  BUCYRUS, OHIO
                      CONSOLIDATED STATEMENTS OF CASH FLOWS


                                                                                  (Dollars in thousands)
                                                                            (Unaudited)          (Unaudited)
                                                                          6 Months Ended        6 Months Ended
                                                                             June 30,              June 30,
                                                                      -----------------------  ----------------
                                                                               2001                  2000
                                                                      -----------------------  ----------------
<S>                                                                   <C>                      <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $                  388   $           503
Adjustments to reconcile net income to net cash
Provided by operating activities:
Provision for loan losses. . . . . . . . . . . . . . . . . . . . . .                       0               (84)
Income accrued on life insurance contracts . . . . . . . . . . . . .                     (64)              (67)
Depreciation . . . . . . . . . . . . . . . . . . . . . . . . . . . .                     155               184
   Loss on sale of Premises and equipment. . . . . . . . . . . . . .                       0                (2)
Deferred income taxes. . . . . . . . . . . . . . . . . . . . . . . .                     (54)              (90)
Investment securities amortization (accretion), net. . . . . . . . .                      61               275
Net change in:
Accrued interest receivable. . . . . . . . . . . . . . . . . . . . .                     (19)              (63)
Accrued interest payable . . . . . . . . . . . . . . . . . . . . . .                     (53)                5
Other assets . . . . . . . . . . . . . . . . . . . . . . . . . . . .                    (154)             (200)
Other liabilities. . . . . . . . . . . . . . . . . . . . . . . . . .                     135                85
                                                                      -----------------------  ----------------
NET CASH PROVIDED BY OPERATING ACTIVITIES. . . . . . . . . . . . . .                     395               546
                                                                      -----------------------  ----------------
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of securities available-for-sale . . . . . . . . . . . . .                  (5,580)             (304)
Proceeds from maturities of securities available-for-sale. . . . . .                   5,990             3,224
Net increase in loans. . . . . . . . . . . . . . . . . . . . . . . .                  (1,719)           (3,755)
Proceeds from sale of premises and equipment . . . . . . . . . . . .                       0                 8
Purchase of premises and equipment . . . . . . . . . . . . . . . . .                    (703)             (314)
                                                                      -----------------------  ----------------
NET CASH USED IN INVESTING ACTIVITIES. . . . . . . . . . . . . . . .                  (2,012)           (1,141)
                                                                      -----------------------  ----------------

CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in:
 Noninterest-bearing, interest-bearing, demand, and savings deposits                    (547)           (4,106)
Certificates of deposit. . . . . . . . . . . . . . . . . . . . . . .                  (2,461)            2,950
Net increase in short-term borrowed funds. . . . . . . . . . . . . .                   3,159             1,400
Proceeds from long-term borrowed funds . . . . . . . . . . . . . . .                   4,000                 0
Payment on long-term borrowed funds. . . . . . . . . . . . . . . . .                      (8)               (3)
Proceeds from Stock Option exercises . . . . . . . . . . . . . . . .                       0                52
Purchase of treasury stock . . . . . . . . . . . . . . . . . . . . .                    (140)             (240)
Cash dividends paid. . . . . . . . . . . . . . . . . . . . . . . . .                    (192)             (198)
                                                                      -----------------------  ----------------
NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES. . . . . . . . .                   3,811              (145)
                                                                      -----------------------  ----------------

NET INCREASE(DECREASE) IN CASH AND CASH EQUIVALENTS. . . . . . . . .                   2,194              (740)

CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD . . . . . . . . . .                   4,885             4,321
                                                                      -----------------------  ----------------

CASH AND CASH EQUIVALENTS AT END OF PERIOD . . . . . . . . . . . . .  $                7,079   $         3,581
                                                                      =======================  ================
SUPPLEMENTAL DISCLOSURES
Cash paid during the year for interest . . . . . . . . . . . . . . .  $                1,543   $         1,365
Cash paid during the year for income taxes . . . . . . . . . . . . .                     100               156
_________________________
See accompanying notes

</TABLE>

                                  FC BANC CORP

                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                   (Unaudited)
                       June 30, 2001 and December 31, 2000



NOTE  1.     BASIS  OF  PRESENTATION

In  the  opinion  of Management, the accompanying unaudited interim consolidated
financial  statements  contain all adjustments necessary for a fair presentation
of  FC  Banc  Corp's  ("Company" or "Bancorp") financial position as of June 30,
2001,  and  December  31, 2000, and the results of operations for the three- and
six-months  ended  June 30, 2001 and 2000, and the cash flows for the six months
ended June 30, 2001 and 2000.  Certain information and note disclosures normally
included  in financial statements prepared in accordance with generally accepted
accounting principles have been omitted pursuant to the rules and regulations of
the  Securities  and  Exchange  Commission.  It  is suggested that these interim
consolidated  financial  statements be read in conjunction with the consolidated
financial  statements  and notes thereto included in the Company's Annual Report
on  Form 10-KSB.  The results of operations for the three- and six- months ended
June  30,  2001,  are  not  necessarily  indicative of the results, which may be
expected  for  the  entire  fiscal  year.

NOTE  2.     ALLOWANCE  FOR  LOAN  LOSSES

Activity  in  the  allowance  for  loan  losses  is  summarized  as  follows:

<TABLE>
<CAPTION>




                                         (Dollars in thousands)
                                 Six months ended        Year ended
                                     June 30,           December 31,
                                       2001                 2000
                              -----------------------  --------------
<S>                           <C>                      <C>
Balance, beginning of period  $                1,496   $       1,732
Provision for loan losses. .                       0            (134)
Recoveries . . . . . . . . .                      42              81
Charge-offs. . . . . . . . .                     (52)           (183)
                              -----------------------  --------------

Balance, end of period . . .  $                1,486   $       1,496
                              =======================  ==============
</TABLE>


NOTE  3.           BORROWED  FUNDS

Borrowed  Funds  are  comprised  of  the  following  at:

<TABLE>
<CAPTION>




                                                                                              (Dollars in thousands)
                                                                                          Current
                                                                                         Interest             Balance
                                                                                           Rate            June 30, 2001
                                                                                  -----------------------  --------------
<S>                                                                               <C>                      <C>
REPURCHASE AGREEMENTS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $                5,394   $        2,235

FEDERAL HOME LOAN ADVANCES
Fixed Rate Advances with Monthly Interest
 Advance due February 22, 2004 . . . . . . . . . . . . . . . . . . . . . . . . .                    5.47%  $        1,000
 Advance due March 21, 2006. . . . . . . . . . . . . . . . . . . . . . . . . . .                    5.35%           1,000

Total Federal Home Bank Advances . . . . . . . . . . . . . . . . . . . . . . . .  $                2,000   $            0

LONG-TERM DEBT
Note payable to correspondent bank, due. . . . . . . . . . . . . . . . . . . . .  $                1,996   $            0
     May 18, 2011 with monthly principal
     and interest payments at 1% below
     prime to reprice after five years.

Note payable, due January 15, 2004, with monthly principal and interest payments                    6.00%  $           19
                                                                                                           --------------

 TOTAL BORROWED FUNDS. . . . . . . . . . . . .                                                             $        9,409
                                                                                  =======================  ==============





                                                                                  December 31, 2000
                                                                                  ------------------
<S>                                                                               <C>
REPURCHASE AGREEMENTS

FEDERAL HOME LOAN ADVANCES
Fixed Rate Advances with Monthly Interest
 Advance due February 22, 2004 . . . . . . . . . . . . . . . . . . . . . . . . .  $                0
 Advance due March 21, 2006. . . . . . . . . . . . . . . . . . . . . . . . . . .                   0

Total Federal Home Bank Advances

LONG-TERM DEBT
Note payable to correspondent bank, due
     May 18, 2011 with monthly principal
     and interest payments at 1% below
     prime to reprice after five years.

Note payable, due January 15, 2004, with monthly principal and interest payments  $               23
                                                                                  ------------------
                                                                                  $            2,235
                                                                                  ==================
 TOTAL BORROWED FUNDS

</TABLE>


Securities  (with  a  carrying  value  of  $5,969,000)  sold  under agreement to
repurchase  generally  mature within one to four days from the transaction date.
The  securities  underlying  the  agreements  were  maintained  under the Bank's
control.  The  following  applied  during  the  periods  in  2001  and  2000.

<TABLE>
<CAPTION>




                                                                 (Dollars in thousands)
                                                                 2001             2000
                                                        -----------------------  -------
<S>                                                     <C>                      <C>
Interest Rate at Period End. . . . . . . . . . . . . .                    3.75%    6.35%
Highest Month End Amount Outstanding During the Period  $                6,159   $2,235
Average Amount Outstanding During the Period . . . . .                   4,683      396
Average Rate of Interest for the Period. . . . . . . .                    4.52%    6.51%

</TABLE>


The  aggregate  minimum future annual principal payments on FHLB advances are as
follows:

<TABLE>
<CAPTION>




               (Dollars in thousands)
<S>            <C>
2001. . . . .  $                     0
2002. . . . .                        0
2003. . . . .                        0
2004. . . . .  $                 1,000
2005. . . . .                        0
  After 2005.                    1,000
               -----------------------
                                 2,000
               =======================
</TABLE>


The  aggregate  minimum future annual principal payments on Notes Payable are as
follows:

<TABLE>
<CAPTION>




               (Dollars in thousands)
<S>            <C>
2001. . . . .  $                    30
2002. . . . .                       62
2003. . . . .                       67
2004. . . . .                       63
2005. . . . .                       66
  After 2005.                    1,727
               -----------------------
                                 2,015
               =======================
</TABLE>


NOTE  4.          REGULATORY  CAPITAL

The  following  table  illustrates  the  compliance  by  the Bank with currently
applicable  regulatory  capital  requirements  at  June  30,  2001.

<TABLE>
<CAPTION>




                                                      (Dollars in thousands)
                                                                            Categorized as "Well
                                                                             Capitalized" Under
                                                          For Capital        Prompt Corrective
                                      Actual           Adequacy Purposes     Action Provisions
                                      ------           -----------------    --------------------
                                 Amount     Ratio      Amount     Ratio      Amount      Ratio
                                 -----      -----      ------     -----      ------      -----
<S>                             <C>        <C>        <C>        <C>        <C>         <C>
Total Risk-Based Capital
(To Risk-Weighted Assets)        $12,499    19.43%     $ 5,148    8.00%      $6,435      10.00%
Tier I Capital
(To Risk-Weighted Assets)         11,686    18.16%       2,574    4.00%       3,861       6.00%
Tier I Capital
(To Total Assets) . . . .         11,686    11.20%       4,177    4.00%       5,221       5.00%
Tangible Capital
(To Total Assets) . . . .         11,686    11.20%       4,177    4.00%         N/A         N/A

</TABLE>



NOTE  5.          EARNINGS  PER  SHARE

Earnings per share ("EPS") is computed in accordance with Statement of Financial
Accounting  Standards  ("SFAS") No. 128, "Earnings per Share," which was adopted
by the Company as of December 31, 1997.  Common stock equivalents include shares
granted  under  the  Stock Option Plan ("SOP"). Following is a reconciliation of
the  numerators  and  denominators  of  the  basic and diluted EPS calculations.

<TABLE>
<CAPTION>

                                                                   For the Three Months Ended June 30, 2001
                                                                  ------------------------------------------
                                                                                                         Per
                                                              Income                       Shares       Share
                                                            Numerator                   (Denominator)   Amount
                                            ------------------------------------------  -------------  --------
<S>                                         <C>                                         <C>            <C>
Basic EPS. . . . . . . . . . . . . . . . .  $                                  192,410        600,007  $  0.32
 Income available to
 common shareholders

Effective of dilutive securities:. . . . .  None                                                5,599     0.00
                                                                                        -------------  --------

Diluted EPS Income available to. . . . . .  $                                  192,410        605,606  $  0.32
                                            ==========================================  =============  ========
 common shareholders +
 assumed conversions


                                                                  For the Three Months Ended June 30, 2000
                                                                  ----------------------------------------
                                                                                                         Per
                                                            Income                            Shares    Share
                                                           Numerator                      (Denominator) Amount
                                                           ---------                      --------------------
<S>                                         <C>                                              <C>
BASIC EPS. . . . . . . . . . . . . . . . .  $                                  249,075        617,595  $  0.40
 Income available to
 common shareholders

Effective of dilutive securities:. . . . .  None                                                  10,413     0.00
                                                                                                 -------  -------

Diluted EPS Income available to. . . . . .  $                                     249,075        628,008  $  0.40
                                            =============================================       ========  ========
 common shareholders +
 assumed conversions


                                                                   For the Six Months Ended June 30, 2001
                                                                   ------------------------------------------
                                                                                                         Per
                                                           Income                             Shares    Share
                                                         Numerator                        (Denominator) Amount
---                                                      ---------                        ------------- ------

Basic EPS. . . . . . . . . . . . . . . . .  $                                  388,069        600,305  $  0.65
 Income available to
 common shareholders

Effective of dilutive securities:. . . . .                                        None          7,176    (0.01)
                                                                                             --------  --------

Diluted EPS Income available to. . . . . .  $                                  388,069        607,481  $  0.64
                                            ==========================================       ========  ========
 common shareholders +
 assumed conversions

                                                                   For the Six Months Ended June 30, 2000
                                                                  ----------------------------------------
                                                                                                         Per
                                                           Income                            Shares     Share
                                                          Numerator                      (Denominator)  Amount
                                                          ---------                      ------------- -------

Basic EPS. . . . . . . . . . . . . . . . .  $                                  502,790        620,337  $  0.81
 Income available to
 common shareholders

Effective of dilutive securities:. . . . .  None                                               10,058    (0.01)
                                                                                        -------------  --------

Diluted EPS Income available to. . . . . .  $                                  502,790        630,395  $  0.80
                                            ==========================================  =============  ========
 common shareholders +
 assumed conversions
</TABLE>





NOTE  6.     RECLASSIFICATIONS

Certain  amounts  in  the  consolidated  financial statements for 2000 have been
reclassified  to  conform  to  the  2001  presentation.

<PAGE>
                                  FC BANC CORP

           MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
                            AND RESULTS OF OPERATIONS


SAFE  HARBOR  CLAUSE

     This  report  contains  certain  "forward-looking statements."  The Company
desires  to  take  advantage  of  the  "safe  harbor"  provisions of the Private
Securities Litigation Reform Act of 1995 and is including this statement for the
express  purpose  of  availing itself of the protection of such safe harbor with
respect  to  all  such  forward-looking  statements.  These  forward-looking
statements, which are included in Management's Discussion and Analysis, describe
future  plans  or  strategies  and  include the Company's expectations of future
financial  results.  The  words  "believe,"  "expect," "anticipate," "estimate,"
"project,"  and  similar  expressions  identify forward-looking statements.  The
Company's ability to predict results or the effect of future plans or strategies
is  inherently  uncertain.  Factors  which  could  affect actual results include
interest  rate trends, the general economic climate in the Company's market area
and  the  country as a whole, loan delinquency rates, and changes in federal and
state  regulations.  These  factors  should  be  considered  in  evaluating  the
forward-looking  statements,  and  undue  reliance  should not be placed on such
statements.

GENERAL

     The  Company  is  a  bank  holding  company  whose activities are primarily
limited  to  holding  the  stock  of  The  Farmers Citizens Bank, Bucyrus, Ohio,
("Bank").  The  Bank  conducts  a general banking business in North Central Ohio
that  consists of attracting deposits from the general public and applying those
funds  to the origination of loans for residential, consumer and non-residential
purposes.  The  Bank's  profitability is significantly dependent on net interest
income  that  is  the  difference  between  interest  income  generated  from
interest-earning  assets  (i.e., loans and investments) and the interest expense
paid  on  interest-bearing  liabilities  (i.e.,  customer  deposits and borrowed
funds).  Net  interest  income  is  affected  by  the  relative  amount  of
interest-earning  assets  and interest-bearing liabilities and interest received
or  paid on these balances.  The level of interest rates paid or received by the
Bank  can be significantly influenced by a number of environmental factors, such
as  governmental  monetary  policy,  that  are  outside  of  management control.

     Earnings  per  common  share  were  computed  by dividing net income by the
weighted-average  number  of  shares  outstanding  for  the three- and six-month
periods  ended  June  30,  2001  and  2000.

     The  consolidated  financial information presented herein has been prepared
in accordance with generally accepted accounting principles ("GAAP") and general
accounting  practices  within  the  financial  services  industry.  In preparing
consolidated  financial  statements  in  accordance  with  GAAP,  management  is
required  to  make estimates and assumptions that affect the reported amounts of
assets  and  liabilities and the disclosure of contingent assets and liabilities
at  the  date  of  the financial statements and revenues and expenses during the
reporting  period.  Actual  results  could  differ  from  such  estimates.

     The  Company  is  subject  to  regulation  by the Board of Governors of the
Federal  Reserve System which limits the activities in which the Company and the
Bank  may  engage.  The  Bank  is  supervised  by the State of Ohio, Division of
Financial  Institutions  and  its  deposits  are insured up to applicable limits
under  the  Bank  Insurance  Fund  ("BIF")  of  the  Federal  Deposit  Insurance
Corporation ("FDIC").  The Bank is a member of the Federal Reserve System and is
subject  to  its  supervision.  The Company and the Bank must file with the U.S.
Securities  and Exchange Commission, the Federal Reserve Board and Ohio Division
of  Financial  Institutions  the prescribed periodic reports containing full and
accurate  statements  of  its  affairs.

In  June 2000, the Bank opened its newest banking center in Fredericktown, Ohio.
The  Bank now operates five banking offices located in Crawford, Morrow and Knox
Counties,  Ohio.  The primary market area of the Bank is North Central Ohio that
includes  Crawford,  Morrow,  Knox  and  contiguous  counties.

The  Bank  continues  to  focus  on  providing  First-Class  Banking(TM)  to its
customers.  In  June  2000,  the  Bank  introduced  Phone-Access  Banking(TM)
(1-877-562-4FCB)  that allows customers to access their bank account information
24 hours a day. Also, the Bank engaged FundsExpress to assist in the development
of  internet  banking  products that offer new and existing customers a hometown
banking  experience while utilizing the latest in banking technology. During the
second  quarter  of  2001  full  internet  banking services, including bill pay,
became  available  at  www.farmerscitizensbank.com.
                       ---------------------------

Construction  on  the  Bank's new Main Office at 105 Washington Square, Bucyrus,
Ohio  began  in the second quarter of 2001 with completion expected in May 2002.
This  project  will  modernize  its  primary banking facilities and increase the
efficiency  of  its  operations.


                         CHANGES IN FINANCIAL CONDITION

     At  June  30,  2001,  the consolidated assets of the Company totaled $104.6
million,  an increase of $4.5 million, or 4.50%, from $100.1 million at December
31,  2000.  The  increase in total assets resulted primarily from an increase in
borrowed  funds,  which  funded  increases  in  overnight federal funds sold and
loans.

     Net  loans  increased  from  $61.2  million  on  December 31, 2000 to $62.9
million  on  June  2001,  an  increase of $1.7 million or 2.81%. Loan growth was
primarily  in  installment  loans,  which  increased  by  $0.8  million.

     Investment securities available-for-sale declined by $0.1 million, or 0.46%
to  $27.8  million  at  June 30, 2001, compared to $28.0 million at December 31,
2000. The decline was used to fund loan growth and other operations of the Bank.

     Cash and cash equivalents increased by $2.2 million to $7.1 million at June
30,  2001 compared to $4.9 million at December 31, 2000. The increase was due to
the  increase  in borrowed funds of which some was invested in overnight federal
funds  sold.

Premises  and  Equipment  increased  by $0.6 million to $2.6 million at June 30,
2001,  compared  to  $2.0  million at December 31, 2000. The increase was due to
construction  of  the  Main  Office.

Deposit  liabilities  decreased  by  $3.0 million, or 3.54%, to $81.9 million at
June  30,  2001,  from  $84.9  million  at  December  31,  2000. The decline was
attributable  to  the loss of public funds, which were transferred to repurchase
agreements.  Certificate  of deposits, interest-bearing demand, money market and
savings  balances  declined by $0.7 million, $1.6 million, $0.1 million and $0.7
million,  respectively.  Demand  deposits  increased  by  $0.2  million.

     Total  shareholders'  equity  increased by $0.3 million to $12.1 million at
June  30, 2001 as compared to December 31, 2000.  During the first six months of
2001,  the  Bank  earned net income of $0.4 million that was partially offset by
the  payment  of dividends of $0.2 million and the purchase of treasury stock of
$0.1  million.

The  Bank's  liquidity, primarily represented by cash and cash equivalents, is a
result  of its operating, investing and financing activities.  Principal sources
of  funds are deposits, loan and mortgage-backed security repayments, maturities
of  securities  and  other  funds provided by operations.  The Bank also has the
ability  to  borrow  from  the Federal Home Bank of Cincinnati ("FHLB"), certain
correspondent  banks, as well as the Federal Reserve Bank of Cleveland ("FRB" or
"FED").  While scheduled loan repayments and maturing investments are relatively
predictable,  deposit  flows  and  early  loan  and  mortgage-backed  security
prepayments  are  more influenced by interest rates, general economic conditions
and  competition.  The  Bank  maintains  investments in liquid assets based upon
management's  assessment of (i) the need for funds, (ii) expected deposit flows,
(iii)  the  yields available on short-term liquid assets and (iv) the objectives
of  the  asset/liability management program. In the ordinary course of business,
part  of such liquid investments is composed of deposits at correspondent banks.
Although  the  amount  on deposit at such banks often exceeds the $100,000 limit
covered by FDIC insurance, the Bank monitors the capital of such institutions to
ensure  that  such  deposits  do  not  expose  the  Bank  to undue risk of loss.

The  Asset/Liability  Management  Committee  of  the  Bank  is  responsible  for
liquidity  management.  This  committee, which is comprised of various managers,
has a Funds Management Policy that covers all assets and liabilities, as well as
off-balance  sheet  items that are potential sources and uses of liquidity.  The
Bank's  liquidity  management  objective  is  to  maintain  the  ability to meet
commitments  to  fund  loans  and  to  purchase  securities, as well as to repay
deposits  and  other  liabilities  in  accordance  with their terms.  The Bank's
overall  approach to liquidity management is to ensure that sources of liquidity
are  sufficient  in  amounts and diversity to accommodate changes in loan demand
and  deposit  fluctuations without a material adverse impact on net income.  The
Committee  monitors  the  Bank's liquidity needs on an ongoing basis.  Currently
the  Bank  has several sources available for both short- and long-term liquidity
needs.  These include, but are not restricted to advances from the FHLB, Federal
Funds  and  borrowings  from  the  FED  and  other  correspondent  banks.

     The Bank is subject to various regulatory capital requirements administered
by  its  primary  federal  regulator,  the FRB.  Failure to meet minimum capital
requirements  can  initiate  certain  mandatory,  and  possible  additional
discretionary  actions  by regulators that, if undertaken, could have a material
affect  on  the  Company  and  the consolidated financial statements.  Under the
regulatory  capital  adequacy guidelines and the regulatory framework for prompt
corrective  action,  the Bank must meet specific capital guidelines that involve
quantitative  measures  of  the  Bank's  assets,  liabilities,  and  certain
off-balance-sheet  items  as  calculated  under regulatory accounting practices.
The Bank's capital amounts and classification under the prompt corrective action
guidelines  are  also  subject to qualitative judgements by the regulators about
components,  risk  weighing,  and  other  factors.

     Qualitative  measures  established  by  the  regulation  to  ensure capital
adequacy  requires  the  Bank  to  maintain minimum amounts and ratios of: total
risk-based capital and Tier I capital to risk-weighted assets (as defined by the
regulations),  and  Tier  I  capital to average assets (as defined).  Management
believes,  as  of June 30, 2001, that the Bank meets all of the capital adequacy
requirements  to  which  it  is  subject.

     As  of  December  31, 2000, the most recent notification from the FDIC, the
Bank  was  categorized  as  well  capitalized under the regulatory framework for
prompt  corrective  action.  To remain categorized as well capitalized, the Bank
will  have  to  maintain minimum total risk-based, Tier I risk-based, and Tier I
leverage  ratios  as  disclosed  in  Note  4 - Regulatory Capital.  There are no
conditions or events since the most recent notification that management believes
have  changed  the  Bank's  prompt  corrective  action  category.

     At  June  30,  2001,  FC  Banc  Corp  had  approximately  $2.3  million  in
commitments  for  capital  expenditures.


                              RESULTS OF OPERATIONS

COMPARISON  OF  THREE  MONTHS  ENDED  JUNE  30,  2001  AND  2000

     GENERAL.  Net  income decreased from $249 thousand in the second quarter of
2000  to $193 thousand in the second quarter of 2001. The decrease was primarily
attributable  to  changes  in  the  provision for loan losses, a decrease in net
interest income and an increase in operating expenses that were partially offset
by  an  increase  in  non-interest  income.

     INTEREST  INCOME.  The  increase  in  total  earning assets was the primary
contributing  factor  to  the  increase  in  interest income of $40 thousand, or
2.27%, for the three months ended June 30, 2001 compared to 2000.  Loan interest
and fee income increased by $99 thousand resulting primarily from an increase in
loans  receivable.  Loans  receivable  as of June 30, 2001 were $64.4 million up
$4.7  million  as  compared  to  June  30,  2000. The Bank increased its loan to
deposit  ratio  from  69.58%  at  June  30,  2000 to 78.60% at June 30, 2001. In
addition,  interest  earned  on  federal  funds  sold increased by $53 thousand.

The  increases  in  loan  interest  and  fee  income and federal funds sold were
partially  offset  by  a  $112  thousand  decrease  in  income from interest and
dividends  on  investment  securities.  The  decrease  in  interest  income from
investments  resulted  primarily  from  a  reduction  in  average  rates earned.

     INTEREST EXPENSE.  Interest expense on deposit liabilities decreased by $36
thousand,  or 5.16% for the three months ended June 30, 2001, as compared to the
same  period  in 2000.  This was mostly because total deposits decreased by $3.9
million  from  June  30,  2000,  to  June  30,  2001. Interest on borrowed funds
increased  by  $86 thousand for the three months ended June 30, 2001 as compared
to  the  same  period  in  2000.  This  was due to borrowings increasing by $8.0
million  at  June  30,  2001  as  compared  to  June  30,  2000.

PROVISION  FOR LOAN LOSSES.  Due to strong loan quality, the bank did not record
a  provision  for loan loss expense in the second quarter of 2001. In the second
quarter of 2000, based upon continued strong credit quality, the Bank recorded a
negative  provision  for loan losses of $50 thousand. The negative provision was
based  upon  the results of the ongoing loan reviews and composition of the loan
portfolio, primarily loans secured by one- to four-family residential properties
and  other  forms  of  collateral,  which  are  considered  to  have  less risk.

NON-INTEREST  INCOME.  Non-interest income increased by $20 thousand, or 11.90%,
to  $188  thousand  for the three months ended June 30, 2001, from $168 thousand
for  the  three  months  ended  June  30,  2000.  The  increase  was  primarily
attributable to increases in service charges on deposit accounts and commissions
earned.  No  security gains or losses were recognized for the three months ended
June  30,  2001  or  for  the  three  months  ended  June  30,  2000.

     NON-INTEREST  EXPENSE.  Non-interest  expense increased by $47 thousand, or
5.04%,  to  $980  thousand  for  the three months ended June 30, 2001, from $933
thousand  in  the  comparable  period  in  2000.  Of  this,  $45  thousand  was
attributable  to  an  increase  in  legal  and professional fees expensed in the
second  quarter  of  2001  as  compared to the second quarter of 2000. The other
significant  non-interest  expense  was  in development of internet banking. The
total  expensed  in  the  second  quarter  was  approximately  $18  thousand.

INCOME  TAXES.  The  provision for income taxes declined by $31 thousand for the
three  months  ended  June  30,  2001,  compared  with the prior year, primarily
because  of  lower  taxable  income  for  the  quarter.


COMPARISON  OF  SIX  MONTHS  ENDED  JUNE  30,  2001  AND  2000

     GENERAL.  Net  income  for  the  first  six  months  of  2001  totaled $388
thousand, which was $115 thousand less than the same period in 2000. The decline
was  primarily  attributable  to  changes  in  the  provision  for  loan losses,
increases  in occupancy expense, legal and professional expense, and advertising
expense  that  were  partially  offset  by  an  increase in non-interest income.

     INTEREST  INCOME.  The  increase  in average earning assets was the primary
contributing  factor  to  the  increase  in interest income of $119 thousand, or
3.44%  for  the  six  months  ended June 30, 2001 compared to 2000. Year to date
average  earning  assets  totaled  $93.2  million  in  2001 as compared to $89.1
million  in  2000.  For the first six months of 2001, interest and fees on loans
totaled  $2.7  million,  an  increase  of $0.3 million, as compared to 2000. The
positive  increase  was  somewhat  offset by a reduction of interest income from
dividends  and  investment  securities and federal funds sold of $0.1 million in
2001  as  compared  to  2000.

     INTEREST EXPENSE.  Interest expense on deposit liabilities increased by $43
thousand  for  the  six  months  ended  June 30, 2001 as compared to 2000.  This
increase  was  mostly  due  to  a  17  basis-point  (100 basis-points equals one
percent) increase in cost of funds. Interest expense on borrowed funds increased
by  $130  thousand  for  the six months ended June 30, 2001 as compared to 2000.
This  increase  was  due  to  the  growth of borrowed funds. As of June 30, 2001
borrowed  funds  were  $9.4  million  compared to $1.4 million on June 30, 2000.

          NET  INTEREST  INCOME.  Net  Interest  income for the first six months
ended  June 30, 2001 totaled $2.0 million, down $54 thousand for the same period
in  2000.  This  was mostly due to the decrease in the net interest margin. This
was  mainly  due  to  the  increase  in  the  cost  of funds and the increase in
borrowings.  These  increases were partially offset by the increase in the total
of  the  earning  assets  of  the  bank.

     PROVISION  FOR  LOAN  LOSSES.  For  the  first six months of 2001, the Bank
recorded  net  chargeoffs  of  $10  thousand as compared to net chargeoffs of $1
thousand  in  2000.  In the first six months of 2000, the Bank recorded negative
provisions  for  loan losses of $84 thousand. The negative provisions were based
upon  the  results  of  independent loan reviews and the composition of the loan
portfolio.  The  bank  has  not recorded any loan loss provision for 2001. As of
June 30, 2001, the Bank reported zero non-performing loans and no loans past due
30  days  or  more.

     NON-INTEREST  INCOME.  Non-interest  income  increased  by $51 thousand, or
15.89%,  to  $372  thousand  for  the  six months ended June 30, 2001, from $321
thousand  for  the  six  months  ended June 30, 2000. The increase was primarily
attributable  to  increased  service  charge  income  and commissions earned. No
security gains or losses were recognized for the six months ended June 30, 2001.

     NON-INTEREST  EXPENSE.  Non-Interest  expense increased by $0.1 million, or
5.07%  to $1.9 million for the six months ended June 30, 2001, from $1.8 million
for  the  six  months  ended  June  30, 2000. Of this increase, $50 thousand was
attributable  to  an  increase  in  legal  and  professional  fees. In addition,
occupancy  and  related  expenses increased primarily due to the cost associated
with  operating from our temporary facilities during the construction of the new
main office building. Computer service expense has increased by $22 thousand due
to  development  of  the  internet  banking  functions.

     INCOME TAXES.  The provision for income taxes decreased by $64 thousand for
the  six  months  ended  June  30,  2001, compared with the same period in 2000,
primarily  as  a  result  of  lower  taxable  income.



                           FORWARD LOOKING COMMENTARY

     Since  June  2000 the Federal Open Market Committee ("FOMC") chaired by Mr.
Alan  Greenspan has decreased the overnight federal funds lending rate six times
from  6.50%  to  3.75%  as  of June 30, 2001. The FOMC has the responsibility of
setting  monetary policy in an effort to achieve one of their primary objectives
of  controlling  inflation.

     A  rapid decline in short-term interest rates can have a negative impact on
a  financial  institution's  net  interest  income as assets reprice faster than
liabilities.

     The  Bank's  Asset  Liability  Management committee continually reviews its
policies  and  procedures  to  protect  the  bank's  earnings  from  significant
increases  or  declines  as  interest rates move either higher or lower over the
next  twelve  months.

     The  board  of  directors  and  management  has made a strong commitment to
provide  FirstClass  Banking  products and services throughout our North Central
Ohio  market.  The financial services industry has undergone a tremendous amount
of  change  through  various acts of deregulation and technological innovations.
Our  challenge  is  to maintain the high level of service our existing customers
expect  and deserve while developing new products and services to meet the needs
of  our  future  customers.

     When  evaluating  our  strengths,  weaknesses, threats and opportunities we
identified  several  areas that need improvement. These include the construction
of  a  new main office building that will build a foundation for growth over the
next  20  years.  This  significant  investment  will  include technological and
product  upgrades that will allow us to better serve our customers and offer our
employees  a  comfortable  and  efficient  workplace.

     We believe our capital investments in Cardington, Fredericktown and Bucyrus
will  position  the  Bank for future growth opportunities. However, in the short
run  these  capital  investments will increase our operating expenses and reduce
our  efficiency  ratios.

     We  project  our  2001  net  income will reflect a small decrease from 2000
primarily because of investments in fixed assets. We anticipate this utilization
of capital will improve our shareholders' return on average equity over time and
our  common  stock  repurchase  program  will  further increase our earnings per
share.



<PAGE>

                                  FC BANC CORP

                          PART II  - OTHER INFORMATION


     ITEM  1  -  LEGAL  PROCEEDINGS

                 Not  Applicable


     ITEM  2  -  CHANGES  IN  SECURITIES

                 Not  Applicable


     ITEM  3  -  DEFAULTS  UPON  SENIOR  SECURITIES

                 Not  Applicable


     ITEM  4  -  SUBMISSION  OF  MATTERS  TO  A  VOTE  OF  SECURITY  HOLDERS

                 Not  Applicable

     ITEM  5  -  OTHER  INFORMATION

                 Not  Applicable

     ITEM  6  -  EXHIBITS  AND  REPORTS  ON  FORM  8-K

                 1. No report  on Form 8-K was filed during the second quarter
                 ended on June30, 2001.

<PAGE>

SIGNATURES

     In accordance with the requirements of the Securities Exchange Act of 1934,
the  registrant  has  duly  caused this report to be signed on its behalf by the
undersigned,  hereunto  duly  authorized.

                                        FC  BANC  CORP

August 14, 2001
Date                                    ----------------------------
                                        G.  W.  Holden
                                        President  and  Chief
                                        Executive  Officer
August 14, 2001
Date                                    ----------------------------
                                        Jeffrey  Wise
                                        Principal Financial Officer