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                                                                    Exhibit 23.4

                         CONSENT OF INDEPENDENT AUDITORS


We consent to the reference to our firm under the caption "Experts" in the
Registration Statement (Form S-4) and related joint proxy statement/prospectus
of Security Banc Corporation and to the incorporation by reference herein of our
report dated January 11, 2000 with respect to the consolidated financial
statements of Security Banc Corporation incorporated by reference in its Annual
Report (Form 10-K) for the fiscal year ended December 31, 1999.


                                                          s/ Ernst & Young LLP


Columbus, Ohio
December 29, 2000