<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
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>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                           1,870,000
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                 6,000,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     22,757,000
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                         29,083,000
<ALLOWANCE>                                        418,000
<TOTAL-ASSETS>                                  61,050,000
<DEPOSITS>                                      50,622,000
<SHORT-TERM>                                     1,278,000
<LIABILITIES-OTHER>                                119,000
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         2,295,000
<OTHER-SE>                                       6,736,000
<TOTAL-LIABILITIES-AND-EQUITY>                  61,050,000
<INTEREST-LOAN>                                    699,000
<INTEREST-INVEST>                                  319,000
<INTEREST-OTHER>                                    81,000
<INTEREST-TOTAL>                                 1,099,000
<INTEREST-DEPOSIT>                                 348,000
<INTEREST-EXPENSE>                                 360,000
<INTEREST-INCOME-NET>                              739,000
<LOAN-LOSSES>                                        7,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                    570,000
<INCOME-PRETAX>                                    196,000
<INCOME-PRE-EXTRAORDINARY>                         196,000
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       177,000
<EPS-PRIMARY>                                         0.08
<EPS-DILUTED>                                         0.08
<YIELD-ACTUAL>                                        4.81
<LOANS-NON>                                          3,000
<LOANS-PAST>                                        14,000
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                    962,000
<ALLOWANCE-OPEN>                                   429,000
<CHARGE-OFFS>                                       20,000
<RECOVERIES>                                         2,000
<ALLOWANCE-CLOSE>                                  418,000
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                            418,000
        

</TABLE>