<TABLE> <S> <C>

<ARTICLE>                                            9
<CIK>                                     0001065304
<NAME>                        HERITAGE BANCORP, INC.
<MULTIPLIER>                                       1
<CURRENCY>                              U.S. DOLLARS

<S>                             <C>
<PERIOD-TYPE>                                       6-MOS
<FISCAL-YEAR-END>                             DEC-31-1999
<PERIOD-START>                                JAN-01-2000
<PERIOD-END>                                  JUN-30-2000
<EXCHANGE-RATE>                                         1
<CASH>                                          3,362,000
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                        0
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                    23,688,000
<INVESTMENTS-CARRYING>                                  0
<INVESTMENTS-MARKET>                                    0
<LOANS>                                        37,230,000
<ALLOWANCE>                                       329,000
<TOTAL-ASSETS>                                 66,076,000
<DEPOSITS>                                     50,984,000
<SHORT-TERM>                                    6,309,000
<LIABILITIES-OTHER>                               315,000
<LONG-TERM>                                             0
<PREFERRED-MANDATORY>                                   0
<PREFERRED>                                             0
<COMMON>                                        2,295,000
<OTHER-SE>                                      6,173,000
<TOTAL-LIABILITIES-AND-EQUITY>                 66,076,000
<INTEREST-LOAN>                                 1,516,000
<INTEREST-INVEST>                                 778,000
<INTEREST-OTHER>                                   16,000
<INTEREST-TOTAL>                                2,310,000
<INTEREST-DEPOSIT>                                701,000
<INTEREST-EXPENSE>                                804,000
<INTEREST-INCOME-NET>                           1,506,000
<LOAN-LOSSES>                                    (92,000)
<SECURITIES-GAINS>                               (13,000)
<EXPENSE-OTHER>                                 1,768,000
<INCOME-PRETAX>                                  (97,000)
<INCOME-PRE-EXTRAORDINARY>                       (97,000)
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                     (64,000)
<EPS-BASIC>                                        (0.04)
<EPS-DILUTED>                                      (0.04)
<YIELD-ACTUAL>                                       7.92
<LOANS-NON>                                             0
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                   487,492
<ALLOWANCE-OPEN>                                  421,000
<CHARGE-OFFS>                                           5
<RECOVERIES>                                            5
<ALLOWANCE-CLOSE>                                 329,000
<ALLOWANCE-DOMESTIC>                              329,000
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                                 0


</TABLE>