<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS OF UNITED COMMUNITY FINANCIAL CORP. AS OF
AND FOR THE SIX MONTHS ENDED JUNE 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          13,952
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                48,542
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    331,970
<INVESTMENTS-CARRYING>                         155,112
<INVESTMENTS-MARKET>                           155,838
<LOANS>                                        687,474
<ALLOWANCE>                                      6,446
<TOTAL-ASSETS>                               1,273,394
<DEPOSITS>                                     781,927
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             22,914
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       342,998
<OTHER-SE>                                     125,555
<TOTAL-LIABILITIES-AND-EQUITY>               1,273,394
<INTEREST-LOAN>                                 26,757
<INTEREST-INVEST>                               12,999
<INTEREST-OTHER>                                 3,659
<INTEREST-TOTAL>                                43,415
<INTEREST-DEPOSIT>                              14,995
<INTEREST-EXPENSE>                              14,998
<INTEREST-INCOME-NET>                           28,417
<LOAN-LOSSES>                                      100
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 14,227
<INCOME-PRETAX>                                 14,984
<INCOME-PRE-EXTRAORDINARY>                      14,984
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,602
<EPS-BASIC>                                       0.30
<EPS-DILUTED>                                     0.30
<YIELD-ACTUAL>                                    4.61
<LOANS-NON>                                      3,805
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,712
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,461
<CHARGE-OFFS>                                       29
<RECOVERIES>                                         4
<ALLOWANCE-CLOSE>                                6,446
<ALLOWANCE-DOMESTIC>                             6,446
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0