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                                                                     EXHIBIT 23

                         [ERNST & YOUNG LLP LETTERHEAD]






                        CONSENT OF INDEPENDENT AUDITORS

We consent to the incorporation by reference in the Registration Statement
(Form S-8 No. 33-59244) pertaining to the Security National Bank and Trust
Company 401(k) Profit Sharing Savings Plan and Trust and Registration Statement
(Form S-8 No. 33-80761) pertaining to the Security Banc Corporation 1995 Stock
Option Plan of our report date January 11, 1996, with respect to the
consolidated financial statements of Security Banc Corporation incorporated by
reference in the Annual Report (Form 10-K) for the year ended December 31, 1995.



                                              ERNST & YOUNG LLP


March 18, 1996