<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 SIX MONTH PERIOD ENDED DECEMBER 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                    1,000   
       
<S>                             <C>
<PERIOD-TYPE>                                              6-MOS
<FISCAL-YEAR-END>                                       JUN-30-1999
<PERIOD-END>                                            DEC-31-1998
<CASH>                                                        4,521
<INT-BEARING-DEPOSITS>                                            0
<FED-FUNDS-SOLD>                                                  0
<TRADING-ASSETS>                                                  0
<INVESTMENTS-HELD-FOR-SALE>                                  21,476
<INVESTMENTS-CARRYING>                                            0
<INVESTMENTS-MARKET>                                              0
<LOANS>                                                      55,230
<ALLOWANCE>                                                     401
<TOTAL-ASSETS>                                               85,796
<DEPOSITS>                                                   58,514
<SHORT-TERM>                                                 19,450
<LIABILITIES-OTHER>                                             500
<LONG-TERM>                                                       0
<COMMON>                                                         10
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<OTHER-SE>                                                    7,322
<TOTAL-LIABILITIES-AND-EQUITY>                               85,796
<INTEREST-LOAN>                                               2,338
<INTEREST-INVEST>                                               752
<INTEREST-OTHER>                                                119
<INTEREST-TOTAL>                                              3,209
<INTEREST-DEPOSIT>                                            1,361
<INTEREST-EXPENSE>                                            1,880
<INTEREST-INCOME-NET>                                         1,329
<LOAN-LOSSES>                                                    48
<SECURITIES-GAINS>                                           (1,604)
<EXPENSE-OTHER>                                               1,024
<INCOME-PRETAX>                                              (1,096)
<INCOME-PRE-EXTRAORDINARY>                                   (1,096)
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                   (692)
<EPS-PRIMARY>                                                  (.81)
<EPS-DILUTED>                                                  (.78)
<YIELD-ACTUAL>                                                 7.86
<LOANS-NON>                                                   1,236
<LOANS-PAST>                                                      0
<LOANS-TROUBLED>                                                  0
<LOANS-PROBLEM>                                                 110
<ALLOWANCE-OPEN>                                                348
<CHARGE-OFFS>                                                    18
<RECOVERIES>                                                     23
<ALLOWANCE-CLOSE>                                               401
<ALLOWANCE-DOMESTIC>                                            401
<ALLOWANCE-FOREIGN>                                               0
<ALLOWANCE-UNALLOCATED>                                          45
        

</TABLE>