<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>                                  6-mos
<FISCAL-YEAR-END>                              Sep-30-2000
<PERIOD-START>                                 Oct-01-1999
<PERIOD-END>                                   Mar-31-2000
<EXCHANGE-RATE>                                1
<CASH>                                         (1,066)
<INT-BEARING-DEPOSITS>                         5,224
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    197,278
<INVESTMENTS-CARRYING>                         31,333
<INVESTMENTS-MARKET>                           27,804
<LOANS>                                        409,888
<ALLOWANCE>                                    3,322
<TOTAL-ASSETS>                                 669,576
<DEPOSITS>                                     372,850
<SHORT-TERM>                                   39,905
<LIABILITIES-OTHER>                            3,816
<LONG-TERM>                                    181,470
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       64
<OTHER-SE>                                     71,471
<TOTAL-LIABILITIES-AND-EQUITY>                 669,576
<INTEREST-LOAN>                                14,867
<INTEREST-INVEST>                              5,188
<INTEREST-OTHER>                               1,836
<INTEREST-TOTAL>                               21,891
<INTEREST-DEPOSIT>                             7,459
<INTEREST-EXPENSE>                             12,461
<INTEREST-INCOME-NET>                          9,430
<LOAN-LOSSES>                                  443
<SECURITIES-GAINS>                             (13)
<EXPENSE-OTHER>                                7,199
<INCOME-PRETAX>                                2,582
<INCOME-PRE-EXTRAORDINARY>                     2,582
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   2,245
<EPS-BASIC>                                  0.45
<EPS-DILUTED>                                  0.43
<YIELD-ACTUAL>                                 7.48
<LOANS-NON>                                    1,468
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               2,924
<CHARGE-OFFS>                                  (47)
<RECOVERIES>                                   2
<ALLOWANCE-CLOSE>                              3,322        <F1>
<ALLOWANCE-DOMESTIC>                           2,660
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        662          <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>