<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>                   3-mos
<FISCAL-YEAR-END>                              Sep-30-2000
<PERIOD-START>                                 Oct-01-1999
<PERIOD-END>                                   Dec-31-1999
<EXCHANGE-RATE>                                1
<CASH>                                         2,013
<INT-BEARING-DEPOSITS>                         1,270
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    193,937
<INVESTMENTS-CARRYING>                         30,330
<INVESTMENTS-MARKET>                           27,455
<LOANS>                                        382,947
<ALLOWANCE>                                    3,092
<TOTAL-ASSETS>                                 635,652
<DEPOSITS>                                     375,158
<SHORT-TERM>                                   12,024
<LIABILITIES-OTHER>                            4,102
<LONG-TERM>                                    171,475
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       64
<OTHER-SE>                                     72,829
<TOTAL-LIABILITIES-AND-EQUITY>                 635,652
<INTEREST-LOAN>                                7,290
<INTEREST-INVEST>                              2,525
<INTEREST-OTHER>                               914
<INTEREST-TOTAL>                               10,729
<INTEREST-DEPOSIT>                             3,765
<INTEREST-EXPENSE>                             6,004
<INTEREST-INCOME-NET>                          4,725
<LOAN-LOSSES>                                  205
<SECURITIES-GAINS>                             (14)
<EXPENSE-OTHER>                                3,712
<INCOME-PRETAX>                                1,309
<INCOME-PRE-EXTRAORDINARY>                     1,309
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,146
<EPS-BASIC>                                  0.22
<EPS-DILUTED>                                  0.22
<YIELD-ACTUAL>                                 7.46
<LOANS-NON>                                    1,902
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               2,924
<CHARGE-OFFS>                                  (38)
<RECOVERIES>                                   1
<ALLOWANCE-CLOSE>                              3,092   <F1>
<ALLOWANCE-DOMESTIC>                           3,085
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        7       <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>