<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
       THIS SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE
REGISTRANT'S  CONSOLIDATED FINANCIAL STATEMENTS FOR THE TWELVE MONTHS ENDED JUNE
30,  1999 AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO SUCH  FINANCIAL
STATEMENTS.
</LEGEND>
<CIK>                         0001040734
<NAME>                        Citizens Bancorp
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              JUN-30-1999
<PERIOD-START>                                 JUL-1-1998
<PERIOD-END>                                   JUN-30-1999
<EXCHANGE-RATE>                                1.000
<CASH>                                         444
<INT-BEARING-DEPOSITS>                         1,638
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    388
<INVESTMENTS-CARRYING>                         419
<INVESTMENTS-MARKET>                           419
<LOANS>                                        53,104
<ALLOWANCE>                                    326
<TOTAL-ASSETS>                                 59,470
<DEPOSITS>                                     36,976
<SHORT-TERM>                                   1,000
<LIABILITIES-OTHER>                            605
<LONG-TERM>                                    6,000
<COMMON>                                       8,294
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<OTHER-SE>                                     6,346
<TOTAL-LIABILITIES-AND-EQUITY>                 59,470
<INTEREST-LOAN>                                4,228
<INTEREST-INVEST>                              43
<INTEREST-OTHER>                               168
<INTEREST-TOTAL>                               4,439
<INTEREST-DEPOSIT>                             1,589
<INTEREST-EXPENSE>                             1,919
<INTEREST-INCOME-NET>                          2,520
<LOAN-LOSSES>                                  65
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                1,312
<INCOME-PRETAX>                                1,353
<INCOME-PRE-EXTRAORDINARY>                     832
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   832
<EPS-BASIC>                                  .87
<EPS-DILUTED>                                  .87
<YIELD-ACTUAL>                                 4.60
<LOANS-NON>                                    101
<LOANS-PAST>                                   61
<LOANS-TROUBLED>                               35
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               269
<CHARGE-OFFS>                                  13
<RECOVERIES>                                   5
<ALLOWANCE-CLOSE>                              326
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        326



</TABLE>