<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 NINE MONTHS ENDED SEPTEMBER 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.


                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          23,013
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                16,992
<TRADING-ASSETS>                                 5,813
<INVESTMENTS-HELD-FOR-SALE>                    212,107
<INVESTMENTS-CARRYING>                         118,722
<INVESTMENTS-MARKET>                           116,930
<LOANS>                                        835,867
<ALLOWANCE>                                      6,461
<TOTAL-ASSETS>                               1,300,246
<DEPOSITS>                                     854,390
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            183,291
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       136,903
<OTHER-SE>                                     125,662
<TOTAL-LIABILITIES-AND-EQUITY>               1,300,246
<INTEREST-LOAN>                                 45,523
<INTEREST-INVEST>                               20,949
<INTEREST-OTHER>                                 1,063
<INTEREST-TOTAL>                                67,535
<INTEREST-DEPOSIT>                              25,554
<INTEREST-EXPENSE>                              31,897
<INTEREST-INCOME-NET>                           35,638
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                 224
<EXPENSE-OTHER>                                 40,381
<INCOME-PRETAX>                                 13,906
<INCOME-PRE-EXTRAORDINARY>                      13,906
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,161
<EPS-BASIC>                                       0.27
<EPS-DILUTED>                                     0.27
<YIELD-ACTUAL>                                    3.93
<LOANS-NON>                                      3,409
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   212
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,324
<CHARGE-OFFS>                                       16
<RECOVERIES>                                         4
<ALLOWANCE-CLOSE>                                6,461
<ALLOWANCE-DOMESTIC>                             6,461
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0