<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
unaudited  consolidated  financial statements of Heritage Bancorp,  Inc. for the
three  months ended March 31, 2000 and is qualified in its entirety by reference
to such financial statements and the notes thereto.
</LEGEND>
<CIK>                         0001065304
<NAME>                        Heritage Bancorp, Inc.
<MULTIPLIER>                                   1
<CURRENCY>                                     U.S. Dollars

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              MAR-31-2000
<PERIOD-START>                                 DEC-31-2000
<PERIOD-END>                                   JAN-01-2000
<EXCHANGE-RATE>                                      1.000
<CASH>                                           2,990,000
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     23,764,000
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                         36,045,000
<ALLOWANCE>                                        396,000
<TOTAL-ASSETS>                                  64,421,000
<DEPOSITS>                                      48,033,000
<SHORT-TERM>                                     7,603,000
<LIABILITIES-OTHER>                                217,000
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         2,295,000
<OTHER-SE>                                       6,273,000
<TOTAL-LIABILITIES-AND-EQUITY>                  64,421,000
<INTEREST-LOAN>                                    725,000
<INTEREST-INVEST>                                  386,000
<INTEREST-OTHER>                                     7,000
<INTEREST-TOTAL>                                 1,118,000
<INTEREST-DEPOSIT>                                 330,000
<INTEREST-EXPENSE>                                 374,000
<INTEREST-INCOME-NET>                              744,000
<LOAN-LOSSES>                                     (28,000)
<SECURITIES-GAINS>                                (13,000)
<EXPENSE-OTHER>                                    768,000
<INCOME-PRETAX>                                     37,000
<INCOME-PRE-EXTRAORDINARY>                          37,000
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                        25,000
<EPS-BASIC>                                           0.01
<EPS-DILUTED>                                         0.01
<YIELD-ACTUAL>                                        5.23
<LOANS-NON>                                              0
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                    498,492
<ALLOWANCE-OPEN>                                   421,000
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             3
<ALLOWANCE-CLOSE>                                  396,000
<ALLOWANCE-DOMESTIC>                               396,000
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0


</TABLE>