<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>                        Northeastern Pennsylvania Financial Corp.
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars
       
<S>                             <C>
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-START>                                 OCT-01-1998
<PERIOD-END>                                   DEC-31-1998
<EXCHANGE-RATE>                                1
<CASH>                                         1,338
<INT-BEARING-DEPOSITS>                         7,761
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    188,743
<INVESTMENTS-CARRYING>                         25,364
<INVESTMENTS-MARKET>                           25,239
<LOANS>                                        284,264
<ALLOWANCE>                                    2,286
<TOTAL-ASSETS>                                 523,056
<DEPOSITS>                                     321,178
<SHORT-TERM>                                   518
<LIABILITIES-OTHER>                            4,167
<LONG-TERM>                                    111,994
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       64
<OTHER-SE>                                     85,135
<TOTAL-LIABILITIES-AND-EQUITY>                 523,056
<INTEREST-LOAN>                                5,742
<INTEREST-INVEST>                              2,021
<INTEREST-OTHER>                               1,205
<INTEREST-TOTAL>                               8,968
<INTEREST-DEPOSIT>                             3,317
<INTEREST-EXPENSE>                             4,636
<INTEREST-INCOME-NET>                          4,332
<LOAN-LOSSES>                                  47
<SECURITIES-GAINS>                             34
<EXPENSE-OTHER>                                3,104
<INCOME-PRETAX>                                1,565
<INCOME-PRE-EXTRAORDINARY>                     1,565
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,178
<EPS-PRIMARY>                                  0.20
<EPS-DILUTED>                                  0.19
<YIELD-ACTUAL>                                 7.34
<LOANS-NON>                                    1,306
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               2,273
<CHARGE-OFFS>                                  (35)
<RECOVERIES>                                   1
<ALLOWANCE-CLOSE>                              2,286   <F1>
<ALLOWANCE-DOMESTIC>                           1,760
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        526     <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>