<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 SIX MONTH PERIODS ENDED DECEMBER 31, 1996 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
<S>                                                                   <C>                        <C>
<MULTIPLIER> 1,000  
<PERIOD-TYPE>                                                         3-MOS                      6-MOS
<FISCAL-YEAR-END>                                                  JUN-30-1996                 JUN-30-1996
<PERIOD-END>                                                       DEC-31-1996                 DEC-31-1996
<CASH>                                                                   2,319                       2,319
<INT-BEARING-DEPOSITS>                                                       0                           0
<FED-FUNDS-SOLD>                                                             0                           0
<TRADING-ASSETS>                                                             0                           0
<INVESTMENTS-HELD-FOR-SALE>                                             17,632                      17,632
<INVESTMENTS-CARRYING>                                                       0                           0
<INVESTMENTS-MARKET>                                                         0                           0
<LOANS>                                                                 51,222                      51,222
<ALLOWANCE>                                                                294                         294
<TOTAL-ASSETS>                                                          74,043                      74,043
<DEPOSITS>                                                              55,440                      55,440
<SHORT-TERM>                                                            10,132                      10,132
<LIABILITIES-OTHER>                                                        379                         379
<LONG-TERM>                                                                  0                           0
<COMMON>                                                                     5                           5
<PREFERRED-MANDATORY>                                                        0                           0
<PREFERRED>                                                                  0                           0
<OTHER-SE>                                                               8,087                       8,087
<TOTAL-LIABILITIES-AND-EQUITY>                                          74,043                      74,043
<INTEREST-LOAN>                                                          1,092                       2,165
<INTEREST-INVEST>                                                          302                         645
<INTEREST-OTHER>                                                            34                          51
<INTEREST-TOTAL>                                                         1,428                       2,861
<INTEREST-DEPOSIT>                                                         679                       1,325
<INTEREST-EXPENSE>                                                         834                       1,642
<INTEREST-INCOME-NET>                                                      594                       1,219
<LOAN-LOSSES>                                                               12                         107
<SECURITIES-GAINS>                                                          58                          58
<EXPENSE-OTHER>                                                            481                       1,304
<INCOME-PRETAX>                                                            251                          48
<INCOME-PRE-EXTRAORDINARY>                                                 251                         251
<EXTRAORDINARY>                                                              0                           0
<CHANGES>                                                                    0                           0
<NET-INCOME>                                                               157                          30
<EPS-PRIMARY>                                                             0.38                        0.07
<EPS-DILUTED>                                                             0.38                        0.07
<YIELD-ACTUAL>                                                            8.15                        8.15
<LOANS-NON>                                                                662                         662
<LOANS-PAST>                                                                 0                           0
<LOANS-TROUBLED>                                                            20                         143
<LOANS-PROBLEM>                                                            536                         536
<ALLOWANCE-OPEN>                                                           387                         318
<CHARGE-OFFS>                                                              107                         133
<RECOVERIES>                                                                 2                           2
<ALLOWANCE-CLOSE>                                                          294                         294
<ALLOWANCE-DOMESTIC>                                                       294                         294
<ALLOWANCE-FOREIGN>                                                          0                           0
<ALLOWANCE-UNALLOCATED>                                                     16                          16
        


</TABLE>