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                                  EXHIBIT 99.1


                      MILTON FEDERAL FINANCIAL CORPORATION
                                 25 LOWRY DRIVE
                             WEST MILTON, OHIO 45383
                                 (937) 698-4168


                        THIS PROXY IS SOLICITED ON BEHALF
                            OF THE BOARD OF DIRECTORS

                        SPECIAL MEETING OF SHAREHOLDERS,

                                  JUNE 9, 2000


The undersigned hereby appoints _________________ and ________________, or each
of them, with full power of substitution, the true and lawful attorneys in fact,
agents and proxies of the undersigned to vote at the Special Meeting of
Shareholders of Milton Federal Financial Corporation ("MFFC"), to be held on
June 9, 2000, commencing at 2:00 p.m. local time, at the American Legion
building, 2334 South Main Street, West Milton, Ohio 45383, and at any and all
adjournments and postponements thereof, according to the number of votes which
the undersigned would possess if personally present, for the purpose of
considering and taking action upon the following, as more fully set forth in the
Proxy Statement/Prospectus of MFFC dated __________, 2000.

     1. Approval and adoption of the Agreement and Plan of Reorganization dated
January 13, 2000, by and among MFFC, Milton Federal Savings Bank, BancFirst Ohio
Corp. and The First National Bank of Zanesville (the "Merger Agreement") and the
transactions contemplated thereby.

      [ ] FOR                    [ ] AGAINST               [ ] ABSTAIN

     2. In their discretion with respect to such other business as properly may
come before the meeting (including, without limitation, adjournment or
postponement of such meeting in order to allow for additional solicitation of
stockholder votes in order to obtain a quorum or in order to obtain more votes
in favor of the Merger Agreement) or any adjournments or postponements thereof.

      [ ] FOR                    [ ] AGAINST               [ ] ABSTAIN

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THIS PROXY, WHEN PROPERLY EXECUTED, WILL BE VOTED IN THE MANNER DIRECTED HEREIN
BY THE UNDERSIGNED SHAREHOLDER. IF NO DIRECTION IS MADE, THIS PROXY WILL BE
VOTED "FOR" EACH OF THE ABOVE PROPOSALS.


                                        Dated: __________, 2000



                                        ----------------------------------------
                                        Signature


                                        ----------------------------------------
                                        Signature if held jointly


                                     Please sign exactly as name(s) appear on
                                     this proxy card. When shares are held by
                                     joint tenants, both should sign. When
                                     signing as attorney-in-fact, executor,
                                     administrator, personal representative,
                                     trustee or guardian, please give full
                                     title as such. If a corporation, please
                                     sign in full corporate name by President or
                                     other authorized officer. If a partnership,
                                     please sign in partnership name by
                                     authorized person.

                   PLEASE PROMPTLY MARK, DATE, SIGN AND RETURN
                   THIS PROXY CARD USING THE ENCLOSED ENVELOPE