<TABLE> <S> <C>

<ARTICLE>                                                           9
<CIK>        0000715366
<NAME>       KEYSTONE HERITAGE GROUP, INC.
<MULTIPLIER>                                                        1,000
       
<S>     <C>
<PERIOD-TYPE>                                                       6-MOS
<FISCAL-YEAR-END>                                                   DEC-31-1997
<PERIOD-END>                                                        JUN-30-1997
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<INT-BEARING-DEPOSITS>                                                  341
<FED-FUNDS-SOLD>                                                      2,100
<TRADING-ASSETS>                                                          0
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<ALLOWANCE>                                                           8,681
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<SHORT-TERM>                                                         12,086
<LIABILITIES-OTHER>                                                   6,113
<LONG-TERM>                                                           4,417
<COMMON>                                                             20,358
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                           44,997
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<LOAN-LOSSES>                                                             0
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<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          5,444
<EPS-PRIMARY>                                                          1.37
<EPS-DILUTED>                                                          1.37
<YIELD-ACTUAL>                                                         4.74
<LOANS-NON>                                                             966
<LOANS-PAST>                                                            579
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
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<CHARGE-OFFS>                                                           308
<RECOVERIES>                                                          1,253
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<ALLOWANCE-DOMESTIC>                                                  8,681
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                   0
        

</TABLE>