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EXHIBIT 23.1 -- CONSENT OF INDEPENDENT AUDITORS
 
We consent to the incorporation by reference in the Registration Statement (Form
S-3 No. 333-46143) pertaining to the Dividend Reinvestment and Stock Purchase
Plan of Second Bancorp, Inc. and in the related Prospectus and in the
Registration Statement (Form S-8 No. 33-42347) pertaining to the 1991 Incentive
Stock Option Plan of Second Bancorp, Inc. of our report dated January 26, 1999
with respect to the consolidated financial statements of Second Bancorp, Inc.
included in the Annual Report (Form 10-K) for the year ended December 31, 1998.
 
                                          /s/ Ernst & Young LLP
 
Cleveland, Ohio
March 24, 1999
 
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