WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<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, 1997 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
<MULTIPLIER>1,000
[/LEGEND]
       
<S>                             <C>                   <C>
<PERIOD-TYPE>                         3-MOS             6-MOS
<FISCAL-YEAR-END>                         JUN-30-1998          JUN-30-1998
<PERIOD-END>                              DEC-31-1997          DEC-31-1997
<CASH>                                          5,021                5,021
<INT-BEARING-DEPOSITS>                              0                    0
<FED-FUNDS-SOLD>                                    0                    0
<TRADING-ASSETS>                                    0                    0
<INVESTMENTS-HELD-FOR-SALE>                    24,711               24,711
<INVESTMENTS-CARRYING>                              0                    0
<INVESTMENTS-MARKET>                                0                    0
<LOANS>                                        55,924               55,924
<ALLOWANCE>                                       380                  380
<TOTAL-ASSETS>                                 88,769               88,769
<DEPOSITS>                                     56,860               56,860
<SHORT-TERM>                                   22,070               22,070
<LIABILITIES-OTHER>                               817                  817
<LONG-TERM>                                         0                    0
<COMMON>                                           10                   10
<PREFERRED-MANDATORY>                               0                    0
<PREFERRED>                                         0                    0
<OTHER-SE>                                      9,022                9,022
<TOTAL-LIABILITIES-AND-EQUITY>                 88,769               88,769
<INTEREST-LOAN>                                 1,194                2,348
<INTEREST-INVEST>                                 431                  855
<INTEREST-OTHER>                                   57                  114
<INTEREST-TOTAL>                                1,682                3,317
<INTEREST-DEPOSIT>                                690                1,357
<INTEREST-EXPENSE>                              1,009                1,979
<INTEREST-INCOME-NET>                             673                1,337
<LOAN-LOSSES>                                      18                   46
<SECURITIES-GAINS>                                 86                  194
<EXPENSE-OTHER>                                   531                1,029
<INCOME-PRETAX>                                   327                  706
<INCOME-PRE-EXTRAORDINARY>                        327                  706
<EXTRAORDINARY>                                     0                    0
<CHANGES>                                           0                    0
<NET-INCOME>                                      214                  461
<EPS-PRIMARY>                                    0.26                 0.56
<EPS-DILUTED>                                    0.25                 0.54
<YIELD-ACTUAL>                                   8.05                 8.02
<LOANS-NON>                                       726                  726
<LOANS-PAST>                                        0                    0
<LOANS-TROUBLED>                                    0                    0
<LOANS-PROBLEM>                                   242                  242
<ALLOWANCE-OPEN>                                  366                  348
<CHARGE-OFFS>                                       4                   14
<RECOVERIES>                                        0                    0
<ALLOWANCE-CLOSE>                                 380                  380
<ALLOWANCE-DOMESTIC>                              380                  380
<ALLOWANCE-FOREIGN>                                 0                    0
<ALLOWANCE-UNALLOCATED>                            33                   33
        

</TABLE>