1
EXHIBIT 99.1 TEXT OF PRESS RELEASE, DATED MAY 30, 2000, ISSUED BY FARMERS AND
THE COMPANY

PRESS RELEASE

Source:  Frank L. Paden, President & CEO               Mr. C. James Bess
         Farmers National Banc Corp.                   Interim President & CEO
         20 S. Broad St.                               Security Dollar Bank
         Canfield, OH 44406                            One S. Main Street
         1-1-1.1.1                                     Niles, OH 44446
         e-mail: fpaden@fnbcanfield.com                330-544-7400

May 30, 2000

For Immediate Release:

         Farmers National Bank and Security Dollar Bank Sign Definitive
                               Agreement to Merge


Frank L. Paden, President of Farmers National Banc Corp., Canfield, OH and
Christopher J. Shaker, Chairman of the Board of Security Financial Corp., Niles,
OH., jointly announce that they have entered into a definitive agreement to
merge the two companies.

Farmers National Banc Corp., the parent company for Farmers National Bank, is an
independent locally owned community bank with $437 million in assets at March
31, 2000 and currently has eleven branches located within Mahoning and
Columbiana Counties. Security is the parent company of Security Dollar Bank that
had $171 million in assets at March 31, 2000 with six offices, all located in
Trumbull County.

The transaction will result in Security Dollar Bank merging into Farmers
National Bank, creating a financial services company with over $605 million in
assets, $480 million in total deposits, $433 million in loans with 17 offices
located in the northeastern Ohio counties of Mahoning, Trumbull and Columbiana.
Combined employment will be approximately 300 people.

Bank customers will have more locations throughout the tri-county area to do
their banking. Since there is no overlap in the market area of the two
corporations, no bank branches will be closed as a result of this merger.

The transaction is subject to approval by various regulatory authorities, the
Securities and Exchange Commission and the shareholders of both companies. It is
expected to close in the fourth quarter of 2000. The agreement provides for a
tax-free exchange of Farmers common stock for shares of Security common stock.
The merger will be accounted for as a "pooling of interests" with a value of
about $32.6 million.



                                       48
   2
Farmers' President and CEO Paden commented, "This combination of two successful
locally owned community banks provides opportunities to take advantage of each
of our many strengths, resulting in new and improved products and services for
our customers, greater opportunities for our employees and fits well with our
strategic goals of growth and expansion into new markets, as well as adding to
enhance our shareholders value."

Security Chairman Christopher J. Shaker noted that the affiliation would
expedite enhanced customer offerings such as Telephone and Internet On-line
banking, which were recently announced by Farmers. He added: "This transaction
provides benefits to all of our shareholders, and achieves them much more
quickly and efficiently than we could have on our own. The board of Security is
pleased that in Farmers, we have a partner who will continue to give our local
customers the assurance that decisions about their interests will continue to be
made locally."

Both Paden and Shaker emphasized their strong commitment to their communities
and customers along with the continuation and improvement of their personal
service philosophy.

Farmers and Security are both long-standing members of the Valley's banking
community. Farmers National Bank was established in 1887 and Security Dollar
Bank was started in 1904.



                                       49