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EXHIBIT 23.1 - CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference in the Registration Statement
(Form S-3 No. 33-46143) pertaining to the Dividend Reinvestment and Stock
Purchase Plan of Second Bancorp Incorporated and in the related Prospectus and
in the Registration Statement (Form S-8 No. 333-32431) pertaining to the 1997
Restricted Stock Plan of Second Bancorp Incorporated of our report dated
January 25, 2000 with respect to the consolidated financial statements of
Second Bancorp Incorporated included in the Annual Report (Form 10-K) for the
year ended December 31, 1999.




                                                           Ernst & Young  LLP



Cleveland, Ohio
March 24, 2000