<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF HERITAGE FINANCIAL SERVICES INC FOR THE SIX MONTHS ENDED
JUNE 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                           4,803
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     21,165
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        153,469
<ALLOWANCE>                                      2,220
<TOTAL-ASSETS>                                 187,764
<DEPOSITS>                                     153,179
<SHORT-TERM>                                     7,035
<LIABILITIES-OTHER>                              1,983
<LONG-TERM>                                     10,756
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         6,290
<OTHER-SE>                                       8,521
<TOTAL-LIABILITIES-AND-EQUITY>                 187,764
<INTEREST-LOAN>                                  7,340
<INTEREST-INVEST>                                  563
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 7,903
<INTEREST-DEPOSIT>                               3,058
<INTEREST-EXPENSE>                               3,486
<INTEREST-INCOME-NET>                            4,417
<LOAN-LOSSES>                                      441
<SECURITIES-GAINS>                                   3
<EXPENSE-OTHER>                                  3,802
<INCOME-PRETAX>                                  2,299
<INCOME-PRE-EXTRAORDINARY>                       2,299
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,463
<EPS-PRIMARY>                                     2.57
<EPS-DILUTED>                                     2.54
<YIELD-ACTUAL>                                    9.80
<LOANS-NON>                                        485
<LOANS-PAST>                                     1,105
<LOANS-TROUBLED>                                   105
<LOANS-PROBLEM>                                  2,308
<ALLOWANCE-OPEN>                                 1,908
<CHARGE-OFFS>                                      141
<RECOVERIES>                                        12
<ALLOWANCE-CLOSE>                                2,220
<ALLOWANCE-DOMESTIC>                             1,493
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            727
        

</TABLE>