<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS OF HORIZON FINANCIAL SERVICES CORPORATION FOR
THE THREE AND TWELVE MONTH PERIODS ENDED JUNE 30, 1997 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                  1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   12-MOS
<FISCAL-YEAR-END>                          JUN-30-1997             JUN-30-1997
<PERIOD-END>                               JUN-30-1997             JUN-30-1997
<CASH>                                           5,621                   5,621
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     24,942                  24,942
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                         52,193                  52,193
<ALLOWANCE>                                        348                     348
<TOTAL-ASSETS>                                  85,969                  85,969
<DEPOSITS>                                      57,641                  57,641
<SHORT-TERM>                                    19,102                  19,102
<LIABILITIES-OTHER>                                814                     814
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                5                       5
<PREFERRED>                                          0                       0
<COMMON>                                             0                       0
<OTHER-SE>                                       8,407                   8,407
<TOTAL-LIABILITIES-AND-EQUITY>                  85,969                  85,969
<INTEREST-LOAN>                                  1,129                   4,408
<INTEREST-INVEST>                                  377                   1,332
<INTEREST-OTHER>                                    63                     155
<INTEREST-TOTAL>                                 1,569                   5,895
<INTEREST-DEPOSIT>                                 697                   2,682
<INTEREST-EXPENSE>                                 929                   3,402
<INTEREST-INCOME-NET>                              640                   2,493
<LOAN-LOSSES>                                      133                     252
<SECURITIES-GAINS>                                  16                      81
<EXPENSE-OTHER>                                    473                   2,255
<INCOME-PRETAX>                                    137                     424
<INCOME-PRE-EXTRAORDINARY>                         137                     424
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                        98                     278
<EPS-PRIMARY>                                     0.23                    0.66
<EPS-DILUTED>                                     0.23                    0.66
<YIELD-ACTUAL>                                    8.06                    8.06
<LOANS-NON>                                        469                     469
<LOANS-PAST>                                       220                     220
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                    402                     402
<ALLOWANCE-OPEN>                                   293                     318
<CHARGE-OFFS>                                       81                     227
<RECOVERIES>                                         3                       5
<ALLOWANCE-CLOSE>                                  348                     348
<ALLOWANCE-DOMESTIC>                               330                     330
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                             18                      18
        







</TABLE>