<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET OF COBANCORP INC. AND SUBSIDIARY AS OF MARCH 31,
1996, AND THE RELATED STATEMENTS OF INCOME, CASH FLOWS AND SHAREHOLDERS' EQUITY
FOR THE QUARTER THEN ENDED AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000745276
<NAME> COBANCORP, INC.
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<CASH>                                          28,322
<INT-BEARING-DEPOSITS>                           1,259
<FED-FUNDS-SOLD>                                15,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    190,637
<INVESTMENTS-CARRYING>                          29,753
<INVESTMENTS-MARKET>                            30,436
<LOANS>                                        327,105
<ALLOWANCE>                                      6,050
<TOTAL-ASSETS>                                 622,192
<DEPOSITS>                                     546,449
<SHORT-TERM>                                    21,369
<LIABILITIES-OTHER>                              4,520
<LONG-TERM>                                          0
<COMMON>                                         5,896
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      43,958
<TOTAL-LIABILITIES-AND-EQUITY>                 622,192
<INTEREST-LOAN>                                  7,337
<INTEREST-INVEST>                                2,713
<INTEREST-OTHER>                                   188
<INTEREST-TOTAL>                                10,238
<INTEREST-DEPOSIT>                               3,959
<INTEREST-EXPENSE>                               4,125
<INTEREST-INCOME-NET>                            6,113
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                 295
<EXPENSE-OTHER>                                  6,037
<INCOME-PRETAX>                                  1,523
<INCOME-PRE-EXTRAORDINARY>                       1,523
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,285
<EPS-PRIMARY>                                      .37
<EPS-DILUTED>                                      .37
<YIELD-ACTUAL>                                    5.15
<LOANS-NON>                                        291
<LOANS-PAST>                                        62
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,850
<CHARGE-OFFS>                                      152
<RECOVERIES>                                       292
<ALLOWANCE-CLOSE>                                6,050
<ALLOWANCE-DOMESTIC>                             5,060
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            990