<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,  1998 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-30-1998
<PERIOD-START>                                 JUL-1-1997
<PERIOD-END>                                   JUN-30-1998
<EXCHANGE-RATE>                                1.000
<CASH>                                         306
<INT-BEARING-DEPOSITS>                         2,227
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    315
<INVESTMENTS-CARRYING>                         352
<INVESTMENTS-MARKET>                           352
<LOANS>                                        46,936
<ALLOWANCE>                                    269
<TOTAL-ASSETS>                                 53,442
<DEPOSITS>                                     34,067
<SHORT-TERM>                                   3,500
<LIABILITIES-OTHER>                            706
<LONG-TERM>                                    0
<COMMON>                                       10,062
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<OTHER-SE>                                     5,106
<TOTAL-LIABILITIES-AND-EQUITY>                 53,442
<INTEREST-LOAN>                                3,723
<INTEREST-INVEST>                              37
<INTEREST-OTHER>                               292
<INTEREST-TOTAL>                               4,052
<INTEREST-DEPOSIT>                             1,653
<INTEREST-EXPENSE>                             1,739
<INTEREST-INCOME-NET>                          2,313
<LOAN-LOSSES>                                  72
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                1,172
<INCOME-PRETAX>                                1,454
<INCOME-PRE-EXTRAORDINARY>                     874
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   874
<EPS-PRIMARY>                                  0
<EPS-DILUTED>                                  0
<YIELD-ACTUAL>                                 4.78
<LOANS-NON>                                    83
<LOANS-PAST>                                   48
<LOANS-TROUBLED>                               39
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               212
<CHARGE-OFFS>                                  17
<RECOVERIES>                                   2
<ALLOWANCE-CLOSE>                              269
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        269
        



</TABLE>