SECURITY BANC CORP
SC 13G, 1999-01-15
STATE COMMERCIAL BANKS
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<PAGE>   1

                       SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C.  20549


                                  SCHEDULE 13G


                   UNDER THE SECURITIES EXCHANGE ACT OF 1934

                              (Amendment No.  )




                           Security Banc Corporation
  -----------------------------------------------------------------------------
                                (Name of Issuer)



                                  Common Stock
  -----------------------------------------------------------------------------
                         (Title of Class of Securities)


                                   813767100
  -----------------------------------------------------------------------------
                                 (Cusip Number)




Check the following if a fee is being paid with this statement.   N/A    (A fee
is not required only if the filing person:  N/A


(1) has a previous statement on file reporting beneficial ownership of
more than five percent of the class of securities described in Item 1;
and (2) has filed no amendment subsequent thereto reporting beneficial
ownership of five percent or less of such class.) (See Rule 13d-7.)


*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities,
and for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.


The information required in the remainder of this cover page shall not be
deemed to be "filed" for the purpose of Section 18 of the Securities
Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that
section of the Act but shall be subject to all other provisions of the Act
(however, see the Notes).





                      (Continued on the following page(s)

                                  Page 1 of 5


<PAGE>   2


CUSIP No. 813767100              SCHEDULE 13G   Page    2     of    5    Pages
         ---------------------                       --------    -------- 

  (1)     Names of Reporting Persons                 
          S.S. or I.R.S. Identification Nos. of Above Persons                
               SECURITY NATIONAL BANK,    TRUSTEE    31-1251293
          ---------------------------------------------------------------------

  (2)     Check the Appropriate Box if a Member of a Group*         (a)   [   ]
                                                                    (b)   [   ]
 
  (3)     SEC Use Only

          ---------------------------------------------------------------------

  (4)     SOURCE OF FUNDS*

          ---------------------------------------------------------------------

  (5)     CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS
          IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e)
               N/A
          ---------------------------------------------------------------------

  (6)     Citizenship or Place of Organization                      
               UNITED STATES OF AMERICA
          ---------------------------------------------------------------------

                       (7)     Sole Voting Power                    
  Number of                        1,593,088
   Shares              --------------------------------------------------------
 Beneficially          (8)     Shared Voting Power                  
  Owned by                         10,640
    Each               --------------------------------------------------------
  Reporting            (9)     Sole Dispositive Power               
 Person With                       965,548
                       --------------------------------------------------------
                       (10)    Shared Dispositive Power            
                                   535,508
                       --------------------------------------------------------

 (11)     Aggregate Amount Beneficially Owned by Each Reporting Person     
               1,501,056
          ---------------------------------------------------------------------

 (12)     Check Box if Aggregate Amount in Row (11) Excludes Certain
          Shares*                                                         [  ]

 (13)     Percent of Class Represented by Amount in Row (11)           
               12.37
          ---------------------------------------------------------------------

 (14)     Type of Reporting Person*
               BK
          ---------------------------------------------------------------------
                    *SEE INSTRUCTIONS BEFORE FILLING OUT!
         INCLUDE BOTH SIDES OF THE COVER PAGE, RESPONSES TO ITEMS 1-7
     (INCLUDING EXHIBITS) OF THE SCHEDULE, AND THE SIGNATURE ATTESTATION.

                                                                    


               
                
              
               
                  
               
                     
              



<PAGE>   3

                       SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON  D.C.  20549

                                  SCHEDULE 13G

                 Under the Securities and Exchange Act of 1934

                               (Amendment No.  )

ITEM 1 (A).  NAME OF ISSUER:

     SECURITY BANC CORP                                                        
- -----------------------------------------------------------------------------
                                                                            

ITEM 1 (B).  ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:               
                                                                            
     40 S. LIMESTONE STREET, SPRINGFIELD, OHIO   45502                
- -----------------------------------------------------------------------------
                                                   
- -----------------------------------------------------------------------------
                                                                            

ITEM 2 (A).  NAME OF PERSON FILING:                                         
                                                                            
     SECURITY NATIONAL BANK, TRUSTEE   BY: TERRI L. WYATT
                                           TRUST OPERATIONS OFFICER 
- -----------------------------------------------------------------------------

                                                                            
ITEM 2 (B).  ADDRESS OF PRINCIPAL BUSINESS OFFICE:                          
                                                                            
     40 S. LIMESTONE STREET, SPRINGFIELD, OHIO   45502                
- -----------------------------------------------------------------------------
                                                
- -----------------------------------------------------------------------------

                                                                            
ITEM 2 (C).  PLACE OF ORGANIZATION:                                         
                                                                            
     STATE OF OHIO                                               
- -----------------------------------------------------------------------------
                                                                            

ITEM 2 (D).  TITLE OF CLASS OF SECURITIES:                                  
                                                                            
     COMMON STOCK                                             
- -----------------------------------------------------------------------------

                                                                            
ITEM 2 (E).  CUSIP NUMBER:                                                  
                                                                            
     813767100
- -----------------------------------------------------------------------------

                                                                            
ITEM 3.         IF THIS STATEMENT IS FILED PURSUANT TO RULES 13D-1(B), OR  
                     13D - 2 (B), INDICATE TYPE OF PERSON FILING:          

     BANK AS DEFINED IN SECTION 3(a) (6) OF THE ACT  
- -----------------------------------------------------------------------------
                                                                            
                                  Page 3 of 5
<PAGE>   4

<TABLE>                                                        
<S>      <C>                                                               <C>      
ITEM 4.  OWNERSHIP:                                            
                                                               
          (a)  Amount of beneficially owned:                                  1,501,056
                                                                            ---------------------
          (b)  Percent of class:                                              12.37
                                                                            ---------------------
          (c)  Number of shares as to which such person has:               
                                                               
              (i) Sole power to vote or to direct the vote                              1,593,088
                                                                                        ---------
             (ii) Shared power to vote or to direct the vote                               10,640
                                                                                        ---------
            (iii) Sole power to dispose or to direct the disposition of                   965,548
                                                                                        ---------
             (iv) Shared power to dispose or to direct the  disposition of                535,508
                                                                                        ---------
</TABLE>
                                                               

ITEM 5.   OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS:

               N/A
          --------------

ITEM 6.   OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER
          PERSON:

          Other persons are known to have the right to receive or
          the power to direct the receipt of dividends or the
          proceeds from the sale of these securities.  Those persons 
          whose interest relates to more than five percent of the 
          class are:

               N/A
          --------------

ITEM 7.   IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARIES
          WHICH ACQUIRED THE SECURITY BEING REPORTED ON BY THE
          PARENT HOLDING COMPANY:

          Identification:     N/A
                           --------------------------------
          Classification:  
                           --------------------------------

                           --------------------------------

ITEM 8.   IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE
          GROUP:

               N/A
          --------------

ITEM 9.   NOTICE OF DISSOLUTION OF GROUP:

               N/A
          --------------



                                  Page 4 of 5
<PAGE>   5

ITEM 10.  CERTIFICATION

The undersigned expressly declares that the filing of the Schedule 13G shall
not be construed as an admission that the undersigned is, for purposes of
Section 13(d) and 13(g) of the Securities Exchange Act of 1934, the beneficial
owner of any securities covered by this Schedule 13G.


By signing below, I certify that, to the best of my knowledge and belief, the
securities referred to above were not acquired for the purpose of and do not
have the  effect of changing or influencing the control of the issuer of such
securities and were not acquired in connection with or as a participant
in any transaction having such purposes or effect.

                                  Signature(s)

After reasonable inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true, complete and correct.


Date:   1/6/1999
     ---------------

By: /s/ TERRI L. WYATT
    --------------------
    TERRI L. WYATT
    TRUST OPERATIONS OFFICER





                                  Page 5 of 5


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