<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
                                                                      Exhibit 27

This  schedule  contains  summary  financial   information  extracted  from  the
consolidated  balance sheets and the  statements of income of Heritage  Bancorp,
Inc. and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK>                         0001065304
<NAME>                        HERTIGAGE BANCORP, INC.
<MULTIPLIER>                                    1,000
<CURRENCY>                                 US DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                       2,667,000
<INT-BEARING-DEPOSITS>                      34,285,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 24,055,000
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     31,689,000
<ALLOWANCE>                                    420,940
<TOTAL-ASSETS>                              59,939,000
<DEPOSITS>                                  47,993,000
<SHORT-TERM>                                 3,001,000
<LIABILITIES-OTHER>                            348,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     2,295,000
<OTHER-SE>                                   6,303,000
<TOTAL-LIABILITIES-AND-EQUITY>              59,939,000
<INTEREST-LOAN>                              2,690,000
<INTEREST-INVEST>                            1,414,000
<INTEREST-OTHER>                               277,000
<INTEREST-TOTAL>                             4,381,000
<INTEREST-DEPOSIT>                           1,342,000
<INTEREST-EXPENSE>                           1,439,000
<INTEREST-INCOME-NET>                        2,942,000
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                               1,468
<EXPENSE-OTHER>                              2,889,000
<INCOME-PRETAX>                                275,000
<INCOME-PRE-EXTRAORDINARY>                     275,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   182,000
<EPS-BASIC>                                       0.08
<EPS-DILUTED>                                     0.08
<YIELD-ACTUAL>                                    4.13
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,664,000
<ALLOWANCE-OPEN>                               429,000
<CHARGE-OFFS>                                   20,000
<RECOVERIES>                                    12,000
<ALLOWANCE-CLOSE>                              421,000
<ALLOWANCE-DOMESTIC>                           421,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>