EXHIBIT 99.1



                         REPORT OF INDEPENDENT AUDITORS



To the Shareholders and Board of Directors
United Community Financial Corp.

We have audited the accompanying consolidated statements of income,
shareholders' equity, and cash flows of United Community Financial Corp. and
subsidiaries for the year ended December 31, 2000. These financial statements
are the responsibility of the Company's management. Our responsibility is to
express an opinion on these financial statements based on our audit.

We conducted our audit in accordance with auditing standards generally accepted
in the United States of America. Those standards require that we plan and
perform the audit to obtain reasonable assurance about whether the financial
statements are free of material misstatement. An audit includes examining, on a
test basis, evidence supporting the amounts and disclosures in the financial
statements. An audit also includes assessing the accounting principles used and
significant estimates made by management, as well as evaluating the overall
financial statement presentation. We believe that our audit provides a
reasonable basis for our opinion.

In our opinion, the consolidated financial statements referred to above present
fairly, in all material respects, the results of operations and cash flows of
United Community Financial Corp. and subsidiaries for the year ended December
31, 2000 in conformity with accounting principles generally accepted in the
United States of America.




/s/ Deloitte and Touche LLP

Cleveland, Ohio
January 24, 2001