<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
                     HORIZON FINANCIAL SERVICES CORPORATION
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS OF HORIZON FINANCIAL SERVICES CORPORATION FOR
THE PERIODS ENDED SEPTEMBER 30, 1997, JUNE 30, 1997, MARCH 31, 1997, DECEMBER
31, 1996 AND SEPTEMBER 30, 1996 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
(In thousands, except per share amounts)
</LEGEND>

<S>                                 <C>            <C>               <C>              <C>            <C>
<PERIOD-TYPE>                             3-MOS         12-MOS             9-MOS            6-MOS          3-MOS
<FISCAL-YEAR-END>                   JUN-30-1998    JUN-30-1997       JUN-30-1997      JUN-30-1997    JUN-30-1997
<PERIOD-END>                        SEP-30-1997    JUN-30-1997       MAR-31-1997      DEC-31-1996    SEP-30-1996
<CASH>                                    7,876          5,621             4,779            2,319          3,784
<INT-BEARING-DEPOSITS>                        0              0                 0                0              0
<FED-FUNDS-SOLD>                              0              0                 0                0              0
<TRADING-ASSETS>                              0              0                 0                0              0
<INVESTMENTS-HELD-FOR-SALE>              22,240         24,942            18,724           17,632         19,283
<INVESTMENTS-CARRYING>                        0              0                 0                0              0
<INVESTMENTS-MARKET>                          0              0                 0                0              0
<LOANS>                                  54,520         52,193            51,923           51,222         50,577
<ALLOWANCE>                                 366            348               293              294            387
<TOTAL-ASSETS>                           87,784         85,969            78,368           74,043         76,652
<DEPOSITS>                               56,285         57,641            56,434           55,440         55,210
<SHORT-TERM>                             22,086         19,102            13,117           10,132         12,647
<LIABILITIES-OTHER>                         676            814               593              379            568
<LONG-TERM>                                   0              0                 0                0              0
<COMMON>                                      5              5                 5                5              5
<PREFERRED-MANDATORY>                         0              0                 0                0              0
<PREFERRED>                                   0              0                 0                0              0
<OTHER-SE>                                8,222          8,407             8,219            8,087          8,222
<TOTAL-LIABILITIES-AND-EQUITY>           87,784         85,969            78,368           74,043         76,652
<INTEREST-LOAN>                           1,154          4,408             3,279            2,165          1,074
<INTEREST-INVEST>                           424          1,332               955              645            343
<INTEREST-OTHER>                             57            155                92               51             16
<INTEREST-TOTAL>                          1,635          5,895             4,326            2,861          1,433
<INTEREST-DEPOSIT>                          667          2,682             1,985            1,325            646
<INTEREST-EXPENSE>                          970          3,402             2,783            1,642            808
<INTEREST-INCOME-NET>                       665          2,493             1,853            1,219            625
<LOAN-LOSSES>                                28            252               119              107             95
<SECURITIES-GAINS>                          108             81                65               58              0
<EXPENSE-OTHER>                             498          2,255             1,782            1,304            823
<INCOME-PRETAX>                             379            424               287               48          (203)
<INCOME-PRE-EXTRAORDINARY>                  379            424               287              251          (203)
<EXTRAORDINARY>                               0              0                 0                0              0
<CHANGES>                                     0              0                 0                0              0
<NET-INCOME>                                247            278               180               30          (127)
<EPS-PRIMARY>                              0.30           0.34              0.22             0.04          (.15)
<EPS-DILUTED>                              0.29           0.33              0.21             0.04          (.15)
<YIELD-ACTUAL>                             7.99           8.06              8.10             8.15           8.10
<LOANS-NON>                                 493            469               443              662            516
<LOANS-PAST>                                206            220                 0                0              0
<LOANS-TROUBLED>                              0              0               157              143              0
<LOANS-PROBLEM>                             294            402               397              536            592
<ALLOWANCE-OPEN>                            348            318               318              318            318
<CHARGE-OFFS>                                10            227               146              133             26
<RECOVERIES>                                  0              5                 2                2              0
<ALLOWANCE-CLOSE>                           366            348               293              294            387
<ALLOWANCE-DOMESTIC>                        366            330               293              294            387
<ALLOWANCE-FOREIGN>                           0              0                 0                0              0
<ALLOWANCE-UNALLOCATED>                      11             18                50               16             33


</TABLE>