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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 10, 1999, 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, 1998.


                                                   Ernst & Young LLP


Columbus, Ohio
March 25, 1999