U. S. SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                   FORM 10-KSB

                      ANNUAL REPORT UNDER SECTION 13 or 15(d) of
                        THE SECURITIES EXCHANGE ACT of 1934

                      For the fiscal year ended December 31, 1998
                           Commission File Number   0-25616
                              -------------------------


                                      FC BANC CORP.
                     (name of small business issuer in its charter)

                   Ohio     34-1718070                   34-1718070
                   (State or other Jurisdiction          (IRS Employer
                   of incorporation or organization)     Identification Number)

             Farmers Citizens Bank Building, Box 567, Bucyrus, Ohio  44820
            (Address of principal executive offices)                 (zip code)
 
                            Issuer's telephone number  (419) 562-4070
                                     -----------------------
                Securities registered under Section 12(b) of the Exchange Act:
                                        not applicable
                Securities registered under Section 12(g) of the Exchange Act:
                                   Common Shares (No Par Value)
                                 Preferred Shares ($25.00 Par Value)

     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 ___

     Check if there is no disclosure of delinquent filers in response to Item 
405 of Regulation S-B contained in this form, and no disclosure will be 
contained, to the best of registrant's knowledge, in definitive proxy or 
information statements incorporated by reference in Part III of this Form
10- KSB or any amendment to this Form 10-KSB.  [ X ]
Securities registered under Section 12(b) of the Exchange Act:

     State issuer's revenues for the most recent fiscal year.  $7,013,000.
 
     State the aggregate market value of the voting and non-voting common 
equity held by non-affiliates computed by reference to the price at which the 
common equity was sold, or the average bid and asked prices of such common 
equity, as of a specified date within the past 60 days:  As of March 12, 1999, 
633,617 shares of common shares of the Registrant were outstanding.  The 
aggregate market value of the voting stock held by non-affiliates was 
$15,569,876 based upon the trading price of $28.00 per share.

Documents Incorporated by References

     The following sections of the definitive Proxy Statement for the 1999 
Annual Meeting of Shareholders and the 1998 Annual Report to Shareholders of 
Banc Corp are incorporated by reference into Part III of this Form 10-KSB:

      1.  Proposal 1 - Election of Directors
      2.  Information Regarding Nominees and Continuing Directors - Director 
          and Executive Compensation
      3.  Management's Discussion and Analysis of Financial Condition and 
          Results of Operations
      4.  Consolidated Financial Statements and Notes to Consolidated Financial 
          Statements
     
      Transitional Small Business Disclosure Format     YES ___  NO _X_
<PAGE>

                                  FC BANC CORP.
                             Cross Reference Sheet
                       Pursuant to Regulation ss 240.12b-23
--------------------------------------------------------------------------------
<TABLE>
<CAPTION>
                                                                      FORM 10-KSB       EXHIBIT
      PART I
<S>           <C>                                                       <C>             <C>

                                                                      Page No.           Page No.
ITEM  1.     Description of Business                                     2

ITEM  2.     Description of Property                                     3

ITEM  3.     Legal Proceedings                                           3

ITEM  4.     Submission  of Matters to a Vote
                 of Security Holders                                     Not  Applicable

      PART  II

ITEM  5.     Market for the Registrant's Common
               Stock and Related Stockholder Matters                     3

ITEM  6.     Management Discussion and Analysis of
                Financial Condition and Results of Operations            4           A-3

ITEM  7.     Financial Statements                                        5           A-16

ITEM  8.     Changes In and Disagreements
               With Accountants on Accounting          Not  Applicable
               and Financial Disclosures

      PART  III

ITEM  9.     Directors, Executive Officers, Promoters and
               Control Persons:  Compliance With Section 16(a)                       B-3
               of the Exchange Act                                                   B-14

ITEM  10.     Executive Compensation                                                 B-7

ITEM  11.     Security Ownership of Certain                                          B-3
               Beneficial Owners and Management                                      B-9

ITEM  12.     Certain Relationships and                                              A-24
               Related Party Transactions                                            B-13

ITEM  13.     Exhibits and Reports on      Exhibit A - 1998 Annual Report to Shareholders 
               Form 8-K                    as filed on March 2, 1999 (Form ARS)
                                           Exhibit B - Proxy Statement as filed
                                           on March 9, 1999 (Form 14A)
                                           No reports under Form 8-K filed in last quarter of 1998
                                           Exhibit C - Article 9 FDS (Exhibit 27)
</TABLE>

<PAGE>

                                       PART I

ITEM 1.  Description of Business

Business

     FC Banc Corp. (the "Holding Company") was organized as an Ohio 
corporation and incorporated by directors of The Farmers Citizens Bank (the 
"Bank") under Ohio law on August 20, 1992, at the direction of the Board of 
Directors of the Bank for purpose of becoming a bank holding company by 
acquiring all of the outstanding shares of Bank Common Stock.  The Holding 
Company acquired the Bank effective January 31, 1994.  The Holding Company has 
authorized 1,000,000 common shares, no par value, of which 665,632 shares are 
currently issued and 634,929 are outstanding.

     The Holding Company also has authorized 750 preferred shares, par value 
$25.00 per share without designating the terms of the preferred shares.  No 
preferred shares are currently outstanding or presently intended to be issued.

     FC Banc Corp. is a bank holding company engaged in the business of 
commercial and retail banking through its subsidiary The Farmers Citizens 
Bank, which accounts for substantially all of the revenues, operating income, 
and assets.  The Holding Company may in the future acquire or form additional 
subsidiaries, including other banks, to the extent permitted by law.

     The Bank conducts a general banking business embracing the usual 
functions of a commercial, retail and savings bank, including:  time, savings, 
money market and demand deposit accounts; commercial, industrial, 
agricultural, real estate, consumer installment and credit card lending; safe 
deposit box rental, automated teller machines, and other services tailored to 
individual customers.  The Bank makes and services secured and unsecured loans 
to individuals, firms and corporations.  The Bank continuously searches for 
new products and services which are made available to their customers in order 
that they may remain competitive in the market place.

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

Effect of Government Monetary Policies

     The earnings of the Bank are affected by domestic economic conditions and 
the monetary and fiscal policies of the United States government and its 
agencies.

     The Federal Reserve Board, through its monetary policies, regulates the 
money supply, credit conditions and interest rates in order to influence the 
general economic conditions.  This is accomplished primarily by their open 
market operations through the acquisition and disposition of United States 
Government securities, varying the discount rate (rate charged on member bank 
borrowings), targeting Federal Funds rates, and adjusting the reserve 
requirements of member and nonmember bank deposits.  As a result the Federal 
Reserve Board's monetary policies have had a significant effect on the 
interest income and interest expense of commercial banks and are expected to 
continue to do so in the future.

Employees

     As of December 31, 1998, the Bank had 39 full-time and eight part-time 
employees.  Currently the Holding Company has no paid employees.
<PAGE>

Competition

     The Bank competes with two area banks and two savings and loan 
associations, various finance companies, credit corporations, and both local 
and Federal governments for sources and uses of funds.  The Bank is the fourth 
largest financial institution located in Crawford County, Ohio.

     Competitive factors among financial institutions can be classified into 
two categories, competitive rates and competitive services.  With the advent 
of deregulation, rates have become more competitive, especially in the area of 
time deposits.  From a service standpoint, financial institutions compete 
against each other in types of service such as costs, banking hours and 
similar features.  The Bank is generally competitive with competing financial 
institutions in its primary service area with respect to interest rates paid 
on time and savings deposits, charges on deposit accounts and interest rates 
charged on loans.  With respect to services, the Bank offers extended banking 
hours and operates two ATM's.

     Pursuant to state regulations, the Bank is limited to the amount that it 
may lend to a single borrower.  As of December 31, 1998 and 1997, the legal 
lending limits were approximately $1,988,000 and $1,889,000, respectively.  As 
of December 31, 1998 and 1997, no loans were over the legal lending limit.

Year 2000 Readiness

     The Year 2000 ("Y2K") date change can affect any system that uses 
computer software programs or computer chips, including automated equipment 
and machinery.  For example, many software programs and computer chips store 
calendar dates as two-digit rather than four-digit numbers.  These software 
programs record the year 1998 as "98".  This approach will work until the Year 
2000 when the "00" may be read as 1900 instead of 2000.  The year 2000 is more 
than just a mainframe problem.  It also includes firmware, embedded systems, 
and external systems.  Businesses, utilities and other organizations are 
fixing their systems to make sure they will operate properly when the calendar 
changes.  Since banks rely on these systems, they are placing great emphasis 
on making sure their systems are ready for the Year 2000.  Because of the 
importance of this issue, the Holding Company established a committee to 
address the Y2K issue.  In 1997, the Board of Directors assigned an officer of 
the Bank as the Y2K project coordinator and a committee was formed to address 
the problem.  The project includes planning, assessing, testing and re-testing 
with monthly progress reports being made to the Board.  The objective is to 
ensure that all conceivable steps are taken to facilitate a smooth transition 
of all operations of the Bank into the next century.  The Holding Company and 
the Bank are dedicated to providing reliable, trustworthy banking services to 
its customers before, during and after the century transition.

     Senior Management and the Board of Directors are actively involved in 
overseeing internal Year 2000 efforts and monitoring the business risks posed 
by vendors, business partners, counter parties and major loan customers.  We 
are identifying relevant systems; repairing, replacing, or upgrading systems 
to resolve potential problems; and testing systems for Year 2000 compatibility. 
 We are also working closely with our third-party service providers to monitor 
their readiness for Year 2000.  Management has been assured by their software 
vendors that any program changes necessary to ensure Year 2000 compliance will 
be completed in adequate time to prevent any foreseeable processing problems.  
We plan to complete testing and have all system changes implemented by June 
30, 1999, as required by federal bank regulators.  We will have alternative 
methods of doing business as a contingency should problems occur.  The 
contingency plans address actions to be taken to continue operations in the 
event of system failure due to areas that cannot be tested in advance, such as 
power and telephone service, which are vital to business continuation.

     Our continency planning will be substantially complete in advance of the 
June 30, 1999 deadline.  This plan will include the following:

     The policy which explains the process and includes responsibility, 
     identification of mission critical resources, development of failure 
     scenarios, allocation of resources, monitoring response to failure, 
     reporting and review.

    A business continuity and contingency plan which shows the relationship
    between the business resumption contingency plan and the bank disaster 
    recovery plan.

    The Company Year 2000 organizational chart which assigns responsibility.

    The contingency planning time line which includes key milestone dates 
    and responsibility.

    Initial listing of Year 2000 failure scenarios which will be expanded.

    A resource usage worksheet which will allow us to determine our 
    critical resources.

    A Y2K critical resource reporting form which will help in proper 
    allocation of resources.

    A Y2K monitoring worksheet which will monitor fluctuations in cash, 
    ATM usage, customer inquiries, safe deposit rentals and CD maturities.

     This contingency planning process will help to minimize the impact and 
reduce response time if the failure of a resource occurs.  We will modify this 
plan as required to achieve Year 2000 readiness.

     Management estimates that total Year 2000 project costs will not exceed 
the budgeted amount of 202,000.  These costs include external consultants, 
purchases of hardware and software, customer awareness materials and the 
direct costs of internal employees working on the project.

     In accordance with the FDIC and FFIEC guidelines, we have and will 
continue to keep our customers aware of the Y2K issues and keep them informed 
of our progress an we ask that they will respond as to their own efforts to 
achieve Year 2000 readiness.  Management remains dedicated to providing the 
highest level of service to its customers and shareholders, and will continue 
a proactive approach to Year 2000 readiness.

     This discussion constitutes a Year 2000 Readiness Disclosure within the 
meaning of the Year 2000 Readiness and Disclosure Act of 1998.


ITEM 2.  Properties

     The Bank's principal office is located at 105 Washington Square, Bucyrus, 
Ohio 44820.  The Bank's three branches are located at 233 North Sandusky 
Avenue, Bucyrus, Ohio, 1605 Marion Road, Bucyrus, Ohio, and 103 East Main 
Street, Cardington, Ohio. All properties are owned by the Bank with the 
exception of the Cardington property which is a leased facility.  The Bank 
currently supplies the Holding Company a minimal office space at no cost.


ITEM 3.  Legal Proceedings

     The nature of the Bank's business generates a certain amount of 
litigation involving matters arising in the ordinary course of business.  
However, in the opinion of Management of the Bank, there are no proceedings 
pending to which the Bank is a party or to which its property is subject, 
which, if determined adversely to the Bank, would be material in relation to 
the Bank's undivided profits or financial condition, nor are there any 
proceedings pending other than ordinary routine litigation incident to the 
business of the Bank.

     In addition, no other material proceedings are pending or are known to be 
threatened or contemplated against the bank by government authorities or 
others.


ITEM 4.  Submission of Matters to a Vote of Security Holders

     Not Applicable.

<PAGE>

                                       Part II

ITEM 5.  Market for the Registrant's Common Stock and Related Stockholder 
         Matters

Market Prices and Dividends

     At December 31, 1998, the Holding Company had approximately 544 
shareholders of record.  There is no established public trading market for the 
outstanding shares of Holding Company Common Stock, although there have been a 
limited number of private transactions known to the management of the Holding 
Company.  Based solely on information made available to the Holding Company 
from a limited number of buyers and sellers, shares of the Holding Company 
Common Stock that have actually been traded in private transactions since 
December 31, 1994 were all traded between $20.00 and $27.00.  There may, 
however, have been other transactions at other prices not known to management 
of the Holding Company.

     Payment of dividends by the Bank is subject to regulatory limitations and 
Ohio banking law.  Because cash available for dividend distribution to 
shareholders of the Holding Company will initially only come from dividends 
paid by the Bank to the Holding Company, these regulatory limitations on 
dividends by the Bank will affect the amount of funds available for dividends 
by the Holding Company.

     Dividends by the Bank may be declared by the Bank by its Board of 
Directors out of surplus.  An Ohio bank must generally maintain surplus in an 
amount which is at least equal to the amount of its capital.  In addition to 
other limitations under Ohio law with respect to the payment of dividends, the 
approval of the Division of Financial Institutions is required for the 
declaration of dividends by an Ohio bank if the total of all dividends 
declared by such bank in any year exceeds the total of its net profits (as 
defined in Section 1117.02 of the Ohio Revised Code) for that year combined 
with its retained net profits for the preceding two years, less any required 
transfers to surplus or a fund for the retirement of any preferred stock or 
capital securities.

     In 1998 the Holding Company declared cash dividends of $0.30 per share 
payable on June 15, 1998 and December 15, 1998 to shareholders of record on 
May 15, 1998 and November 30, 1998.  Also on July 24, 1998, the  board of 
directors declared a one-for-one stock dividend in the form of a stock split 
to shareholders of record on August 14, 1998.  In 1997 the Holding Company 
declared cash dividends of $0.60 per share payable on December 15, 1997 to 
shareholders of record on December 9, 1997.  In 1996 the Holding Company 
declared cash dividends of $0.60 per share payable on December 13, 1996 to 
shareholders of record on December 6, 1996.  In 1995 the Holding Company 
declared cash dividends of $0.585 per share payable on December 15, 1995 to 
shareholders of record December 8, 1995.  In 1994 the Holding Company declared 
cash dividends of $0.575 per share payable on December 15, 1994 to 
shareholders of record December 7, 1994.

     Dividends paid by the Holding Company necessarily depend upon earnings, 
financial condition, appropriate legal restrictions and other factors relevant 
at the time the Board of Directors of the Holding Company considers dividend 
payment.  Under the Ohio Revised Code, the Holding Company is prohibited from 
paying dividends if either the Holding Company would be unable to pay its 
debts as they become due, or the Holding Company's total assets would be less 
than its total liabilities plus an amount needed to satisfy any preferential 
rights of shareholders.  The Holding Company may only pay dividends out of 
surplus.  Surplus is defined as the excess of a corporation's assets over its 
liabilities plus stated capital.  Total assets and liabilities are determined 
by the Board of Directors, which may base its determination on such factors as 
it considers relevant, including without limitation: (i) the book values of 
the assets and liabilities of the Holding Company, as reflected on its books 
and records; and (ii) unrealized appreciation and depreciation of the assets 
of the Holding Company.

<TABLE>
<CAPTION>
<S>                    <C>                 <C>               <C>                   <C>             
                        March 31, 1998     June 30, 1998     September 30,1998     December 31,1998 
High                        $22.00            $22.00               $27.00               $27.00
Low                         $22.00            $27.00               $27.00               $27.00
Dividend Declared           $  0.00           $ 0.30               $ 0.00               $ 0.30
                    
                        March 31, 1997     June 30, 1997     September 30,1997     December 31,1997
High                        $22.00            $22.00               $22.00               $22.00
Low                         $22.00            $22.00               $22.00               $22.00
Dividend Declared           $ 0.00            $ 0.00               $ 0.00               $ 0.60

</TABLE>
<PAGE>

     If, in the opinion of the applicable federal bank regulatory authority, a 
bank under its jurisdiction is engaged in or is about to engage in an unsafe 
or unsound practice (which, depending on the financial condition of the bank, 
could include the payment of dividends), such authority may require, after 
notice and hearing, that such bank cease and desist from such practice.  The 
Federal Reserve Board has similar authority with respect to bank holding 
companies.  In addition, the Federal Reserve Bank and the FDIC have issued 
policy statements which provide that insured banks and bank holding companies 
should generally only pay dividends out of current operating earnings. 

     In 1993 the Bank had declared equivalent cash dividends of $0.575 per 
equivalent share payable on December 6, 1993 to shareholders of record on 
November 30, 1993.  The Bank has declared regular cash dividends on the Bank 
Common Stock in each of the preceding five years.  

     Finally, the federal bank regulatory authorities have established 
guidelines with respect to the maintenance of appropriate levels of capital by 
a bank or bank holding company under their jurisdiction. Compliance with the 
standards set forth in such policy statements and guidelines could limit the 
amounts which subsidiaries can pay as dividends and the amount of dividends 
which the Holding Company and its subsidiaries may pay.


ITEM 6. Management's Discussion and Analysis of Financial Condition and 
        Results of Operations
     
     The information set forth under the captions "Financial Review: 
Management's Discussion and Analysis of Financial Condition and Results of 
Operations" and "Five-Year Consolidated Financial Summary" of the 1998 Annual 
Report to the Shareholders of the Holding Company filed March 2, 1999, with 
the United States Securities and Exchange Commission is incorporated by 
reference herein.


ITEM 7. Financial Statements and Supplementary Data

     The information set forth under the captions "Consolidated Financial 
Statements" and "Notes to Consolidated Financial Statements" of the 1998 
Annual Report to Shareholders of the Holding Company filed March 2, 1999, with 
the United States Securities and Exchange Commission is incorporated by 
reference herein.


ITEM 8. Changes in and Disagreements with Accountants on Accounting and 
        Financial Disclosure.

        Not Applicable.

<PAGE>

                                   PART  III


ITEM 9.  Directors and Executive Officers of the Registrant

     The information set forth under the caption "INFORMATION REGARDING 
NOMINEES AND CONTINUING DIRECTORS" of the Proxy Statement of the Holding 
Company filed March 9, 1999, with the United States Securities and Exchange 
Commission is incorporated by reference herein.


ITEM 10.  Executive Compensation

     The information set forth under the caption "EXECUTIVE COMPENSATION" of 
the Proxy Statement of the Holding Company filed March 9, 1999, with the 
United States Securities and Exchange Commission is incorporated by reference 
herein.


ITEM 11.  Security Ownership of Certain Beneficial Owners and Management

     The information set forth under the caption "INFORMATION REGARDING 
NOMINEES AND CONTINUING DIRECTORS" of the Proxy Statement of the Holding 
Company filed March 9, 1999, with the United States Securities and Exchange 
Commission is incorporated by reference herein.


ITEM 12.  Certain Relationships and Related Transactions

     The information set forth under the caption "CERTAIN RELATIONSHIPS AND 
RELATED PARTY TRANSACTIONS" of the Proxy Statement of the Holding Company 
filed March 9, 1999, with the United States Securities and Exchange Commission 
is incorporated by reference herein.
<PAGE>

ITEM 13.  Exhibits, Financial Statements, and Reports on Form 8-K

     (a)  The following documents are filed as a part of this Report:

      1.     Exhibit A - 1998 Annual Report to Shareholders of the Registrant 
             filed March 2, 1999, with the United States Securities and 
             Exchange Commission as Form ARS:

               Financial Statements:
                    Independent Auditors' Report
                    Consolidated Balance Sheets - As of December 31, 1998 and 
                     1997
                    Consolidated Statements of Income - Years Ended December 
                     31, 1998, 1997 and 1996
                    Consolidated Statement of Changes in Shareholders' Equity 
                     - Years Ended December 31, 1998, 1997 and 1996
                    Consolidated Statements of Cash Flows - For the Years
                     Ended December 31, 1998, 1997 and 1996
                    Notes to Consolidated Financial Statements

               Financial Review: Management Discussion and Analysis of 
                   Financial Condition and Results of Operations

               Statistical Tables:
                   Five Year Comparative Financial Information as of December 
                    31, 1998, 1997, 1996, 1995 and 1994
                   Quarterly Condensed Consolidated Financial Information  as 
                    of March 31, June 30,  September 30, and December 31 for 
                    the years 1998 and 1997

              All schedules, except those included in Items 6 and 7, are 
              omitted because they are inapplicable, not required, or the 
              information is included in the financial statements or the notes 
              thereto, or the proxy statement.

     2.     Exhibit B -Proxy Statement of the Registrant filed March 9, 1999, 
            with the United States Securities and Exchange Commission as 
            Form DEF 14A

     3.     Reports on Form 8-K

            The Holding Company did not file any reports on Form 8-K during 
            the last quarter of 1998.

     4.     Exhibit C - Article 9 FDS (Exhibit 27)
<PAGE>


SIGNATURES

     In accordance with Section 13 or 15 (d) of the Exchange Act,  the 
registrant has caused this report to be signed on its behalf by the 
undersigned, thereunto duly authorized.

                           FC BANC CORP.

                           /s/ G.W. Holden
                           ------------------------------------
                           G. W. Holden
                           President and Chief Executive Officer


     In accordance with the Exchange Act, this report has been signed below by 
the following persons on behalf of this registrant and in the capacities on 
the dates indicated.


   /s/ Robert D. Hord                             /s/ David G. Dostal
   -------------------------                      ---------------------------- 
   Robert D. Hord, Chairman                       David G. Dostal, Director

   March 29, 1999                                 March 29, 1999
   -------------------------                      ----------------------------  
   Date                                           Date

   /s/ G. W. Holden                               /s/ Charles W. Kimerline
   -------------------------                      ----------------------------  
   G. W. Holden, Director                         Charles W. Kimerline, Director
   
   March 29, 1999                                 March 29, 1999
   -------------------------                      ----------------------------
   Date                                           Date

   /s/ Terry L. Gernert                           /s/ John O. Spreng
   -------------------------                      ----------------------------
   Terry L. Gernert, Director                     John O. Spreng, Jr., Director
  
   March 29, 1999                                 March 29, 1999
   -------------------------                      ----------------------------
   Date                                           Date

   /s/ Samuel J. Harvey                           /s/ Joan C. Stemen     
   --------------------------                     ----------------------------
   Samuel J. Harvey, Director                     Joan C. Stemen, Director

   March 29, 1999                                 March 29, 1999
   --------------------------                     ----------------------------
   Date                                           Date

   /s/ James B. Pigman                            /s/ Jeffrey Wise
   --------------------------                     ----------------------------
   James B. Pigman, Director                      Jeffrey  Wise
                                                  Principal Financial Officer
   
   March 29, 1999                                 March 29, 1999
   --------------------------                     ----------------------------
   Date                                           Date

<PAGE>

                                   INDEX TO EXHIBITS                           

EXHIBIT
NUMBER        DESCRIPTION

13            Annual Report        Incorporated by reference to the 1998 Annual
                                   Report to Shareholders of FC Banc Corp., 
                                   filed with the Securities and Exchange 
                                   Commission.

27            Financial Data Schedule

99.1          Proxy Statement      Incorporated by reference to the definitive 
                                   Proxy Statement for the 1999 Annual Meeting 
                                   of Shareholders of FC Banc Corp., filed with 
                                   the Securities and Exchange Commission
<PAGE>