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                                                                    EXHIBIT 23

                        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 the Registration Statement (Form 
S-8 No. 33-80761) pertaining to the Security Banc Corporation 1995 Stock Option 
Plan of our report dated January 23, 1997, 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, 1996.


                                              ERNST & YOUNG LLP

Columbus, Ohio
March 28, 1997