<TABLE> <S> <C>

<ARTICLE>                                                           9
<CIK>        0000715366
<NAME>       KEYSTONE HERITAGE GROUP, INC.
<MULTIPLIER>                                                        1,000
       
<S>                                                               <C>
<PERIOD-TYPE>                                                       3-MOS
<FISCAL-YEAR-END>                                                   DEC-31-1997
<PERIOD-END>                                                        Mar-31-1997
<CASH>                                                               20,118
<INT-BEARING-DEPOSITS>                                                  225
<FED-FUNDS-SOLD>                                                     14,700
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          61,340
<INVESTMENTS-CARRYING>                                               80,749
<INVESTMENTS-MARKET>                                                 80,591
<LOANS>                                                             428,035
<ALLOWANCE>                                                           7,899
<TOTAL-ASSETS>                                                      620,594
<DEPOSITS>                                                          529,030
<SHORT-TERM>                                                         14,295
<LIABILITIES-OTHER>                                                   7,896
<LONG-TERM>                                                           6,277
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<COMMON>                                                             20,358
<OTHER-SE>                                                           42,738
<TOTAL-LIABILITIES-AND-EQUITY>                                      620,594
<INTEREST-LOAN>                                                       9,449
<INTEREST-INVEST>                                                     2,174
<INTEREST-OTHER>                                                         59
<INTEREST-TOTAL>                                                     11,682
<INTEREST-DEPOSIT>                                                    4,906
<INTEREST-EXPENSE>                                                    5,125
<INTEREST-INCOME-NET>                                                 6,557
<LOAN-LOSSES>                                                             0
<SECURITIES-GAINS>                                                      174
<EXPENSE-OTHER>                                                       4,849
<INCOME-PRETAX>                                                       3,360
<INCOME-PRE-EXTRAORDINARY>                                            3,360
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          2,337
<EPS-PRIMARY>                                                           .59
<EPS-DILUTED>                                                           .59
<YIELD-ACTUAL>                                                         4.72
<LOANS-NON>                                                             573
<LOANS-PAST>                                                            578
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      7,736
<CHARGE-OFFS>                                                            99
<RECOVERIES>                                                            262
<ALLOWANCE-CLOSE>                                                     7,899
<ALLOWANCE-DOMESTIC>                                                  7,899
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                   0
        

</TABLE>