<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 herein.
</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-30-1999
<PERIOD-START>                                 Oct-01-1998
<PERIOD-END>                                   Mar-31-1999
<EXCHANGE-RATE>                                1
<CASH>                                         1,224
<INT-BEARING-DEPOSITS>                         962
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    198,410
<INVESTMENTS-CARRYING>                         28,347
<INVESTMENTS-MARKET>                           29,909
<LOANS>                                        312,437
<ALLOWANCE>                                    2,402
<TOTAL-ASSETS>                                 557,933
<DEPOSITS>                                     344,514
<SHORT-TERM>                                   32,778
<LIABILITIES-OTHER>                            3,944
<LONG-TERM>                                    95,489
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       64
<OTHER-SE>                                     81,144
<TOTAL-LIABILITIES-AND-EQUITY>                 557,933
<INTEREST-LOAN>                                11,548
<INTEREST-INVEST>                              4,098
<INTEREST-OTHER>                               2,297
<INTEREST-TOTAL>                               17,943
<INTEREST-DEPOSIT>                             6,610
<INTEREST-EXPENSE>                             9,280
<INTEREST-INCOME-NET>                          8,663
<LOAN-LOSSES>                                  183
<SECURITIES-GAINS>                             33
<EXPENSE-OTHER>                                6,340
<INCOME-PRETAX>                                2,893
<INCOME-PRE-EXTRAORDINARY>                     2,893
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   2,251
<EPS-PRIMARY>                                  .39
<EPS-DILUTED>                                  .38
<YIELD-ACTUAL>                                 7.32
<LOANS-NON>                                    915
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               2,273
<CHARGE-OFFS>                                  (56)
<RECOVERIES>                                   2
<ALLOWANCE-CLOSE>                              2,402        <F1>
<ALLOWANCE-DOMESTIC>                           1,937
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        465          <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>