<TABLE> <S> <C>

<ARTICLE>    9
<CIK>        0000715366
<NAME>       KEYSTONE HERITAGE GROUP, INC.
<MULTIPLIER> 1,000
       
<S>     <C>
<PERIOD-TYPE>                                                       9-MOS
<FISCAL-YEAR-END>                                                   DEC-31-1997
<PERIOD-END>                                                        SEP-30-1997
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<ALLOWANCE>                                                           8,633
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<LIABILITIES-OTHER>                                                   3,186
<LONG-TERM>                                                           3,388
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
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<OTHER-SE>                                                           46,873
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<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
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<EPS-PRIMARY>                                                          1.94
<EPS-DILUTED>                                                          1.94
<YIELD-ACTUAL>                                                         4.67
<LOANS-NON>                                                             801
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<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
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<CHARGE-OFFS>                                                           466
<RECOVERIES>                                                          1,363
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<ALLOWANCE-DOMESTIC>                                                  8,633
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                   0
        

</TABLE>