1

                         Consent of Independent Auditors

We consent to the inclusion in Amendment No. 1 to Security Banc Corporation's
Annual Report on Form 10-K for the year ended December 31, 1996, and to the
incorporation by reference in the Registration Statement (Form S-8 No. 33-59244)
pertaining to the Security National Bank and Trust Co. 401(k) Profit Sharing
Plan and Trust of our report dated May 6, 1997 with respect to financial
statements and schedules of the Security National Bank and Trust Co. 401(k)
Profit Sharing Plan and Trust for the year ended December 31, 1996.

Ernst & Young LLP

June 5, 1997
Columbus, Ohio