<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule contains summary  information  extracted from the form 10-Q and is
qualified in its entirety by reference  to the  unaudited  financial  statements
contained therein.
</LEGEND>
<CIK>                                          0001050996
<NAME>                             Northeast Pennsylvania Financial Corp.
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars

<S>                             <C>
<PERIOD-TYPE>                   9-mos
<FISCAL-YEAR-END>                              Sep-30-1999
<PERIOD-START>                                 Oct-01-1999
<PERIOD-END>                                   Jun-30-1999
<EXCHANGE-RATE>                                1
<CASH>                                         1,623
<INT-BEARING-DEPOSITS>                         6,505
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    189,542
<INVESTMENTS-CARRYING>                         28,330
<INVESTMENTS-MARKET>                           28,820
<LOANS>                                        341,376
<ALLOWANCE>                                    2,520
<TOTAL-ASSETS>                                 589,187
<DEPOSITS>                                     364,480
<SHORT-TERM>                                   17,805
<LIABILITIES-OTHER>                            5,386
<LONG-TERM>                                    125,484
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       64
<OTHER-SE>                                     75,968
<TOTAL-LIABILITIES-AND-EQUITY>                 589,187
<INTEREST-LOAN>                                17,839
<INTEREST-INVEST>                              6,464
<INTEREST-OTHER>                               3,194
<INTEREST-TOTAL>                               27,497
<INTEREST-DEPOSIT>                             9,931
<INTEREST-EXPENSE>                             14,267
<INTEREST-INCOME-NET>                          13,230
<LOAN-LOSSES>                                  343
<SECURITIES-GAINS>                             64
<EXPENSE-OTHER>                                9,746
<INCOME-PRETAX>                                4,566
<INCOME-PRE-EXTRAORDINARY>                     4,566
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   3,593
<EPS-BASIC>                                  0.65
<EPS-DILUTED>                                  0.62
<YIELD-ACTUAL>                                 7.33
<LOANS-NON>                                    1,053
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               2,273
<CHARGE-OFFS>                                  (99)
<RECOVERIES>                                   3
<ALLOWANCE-CLOSE>                              2,520   <F1>
<ALLOWANCE-DOMESTIC>                           2,135
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        385     <F2>
<FN>
1.   Allowance for loan loss at end of period includes an increase in the
     allowance through the provision for loan losses.

2.   All unallocated is for domestic loans.
</FN>




</TABLE>