1
                                                                    Exhibit 23.1



                        CONSENT OF INDEPENDENT AUDITORS


We consent to the reference to our firm under the caption "Experts" in the
Registration Statement (Form S-3 Nos. 333-68910 and 333-68910-01) and related
Prospectus of Second Bancorp Incorporated and Second Bancorp Capital Trust I for
the registration of 2,990,000 shares of Cumulative Trust Preferred Securities of
Second Bancorp Capital Trust I, approximately $29,900,000 of Subordinated
Debentures of Second Bancorp Incorporated and the Guarantee of Preferred
Securities of Second Bancorp Incorporated which is incorporated by reference in
the Registration Statement (Form S-3) and related Prospectus of Second Bancorp
Incorporated and Second Bancorp Capital Trust I for the Registration of 210,000
shares of Cumulative Trust Preferred Securities of Second Bancorp Capital Trust
I, approximately $2,100,000 of Subordinated Debentures of Second Bancorp
Incorporated and the Guarantee of Preferred Securities of Second Bancorp
Incorporated, and to the incorporation by reference therein of our report dated
January 23, 2001, with respect to the consolidated financial statements of
Second Bancorp Incorporated included in its Annual Report (Form 10-K) for the
year ended December 31, 2000, filed with the Securities and  Exchange
Commission.


                                                          /s/ Ernst & Young LLP

Cleveland, Ohio
September 21, 2001