<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS OF UNITED COMMUNITY FINANCIAL CORP. AS OF AND
FOR THE NINE MONTHS ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          16,345
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                43,219
<TRADING-ASSETS>                                 6,746
<INVESTMENTS-HELD-FOR-SALE>                    317,306
<INVESTMENTS-CARRYING>                         145,128
<INVESTMENTS-MARKET>                           144,265
<LOANS>                                        710,030
<ALLOWANCE>                                      6,422
<TOTAL-ASSETS>                               1,311,657
<DEPOSITS>                                     777,541
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            276,635
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       136,016
<OTHER-SE>                                     121,465
<TOTAL-LIABILITIES-AND-EQUITY>               1,311,657
<INTEREST-LOAN>                                 40,515
<INTEREST-INVEST>                               22,115
<INTEREST-OTHER>                                 4,506
<INTEREST-TOTAL>                                67,136
<INTEREST-DEPOSIT>                              22,504
<INTEREST-EXPENSE>                              23,316
<INTEREST-INCOME-NET>                           43,820
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                  40
<EXPENSE-OTHER>                                 46,705
<INCOME-PRETAX>                                 13,387
<INCOME-PRE-EXTRAORDINARY>                      13,387
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,485
<EPS-BASIC>                                        .25
<EPS-DILUTED>                                      .25
<YIELD-ACTUAL>                                    4.60
<LOANS-NON>                                      3,687
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,651
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,446
<CHARGE-OFFS>                                       29
<RECOVERIES>                                         5
<ALLOWANCE-CLOSE>                                6,422
<ALLOWANCE-DOMESTIC>                             6,422
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0