<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 SIX MONTH PERIOD ENDED DECEMBER 31, 2000 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-30-2000
<PERIOD-END>                                                  DEC-31-2000
<CASH>                                                              2,636
<INT-BEARING-DEPOSITS>                                                  0
<FED-FUNDS-SOLD>                                                        0
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                        14,676
<INVESTMENTS-CARRYING>                                                  0
<INVESTMENTS-MARKET>                                                    0
<LOANS>                                                            65,666
<ALLOWANCE>                                                           364
<TOTAL-ASSETS>                                                     86,122
<DEPOSITS>                                                         67,994
<SHORT-TERM>                                                        9,704
<LIABILITIES-OTHER>                                                   521
<LONG-TERM>                                                             0
<COMMON>                                                               10
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<OTHER-SE>                                                          7,893
<TOTAL-LIABILITIES-AND-EQUITY>                                     86,122
<INTEREST-LOAN>                                                     2,715
<INTEREST-INVEST>                                                     489
<INTEREST-OTHER>                                                       36
<INTEREST-TOTAL>                                                    3,240
<INTEREST-DEPOSIT>                                                  1,659
<INTEREST-EXPENSE>                                                  1,944
<INTEREST-INCOME-NET>                                               1,296
<LOAN-LOSSES>                                                         165
<SECURITIES-GAINS>                                                    (28)
<EXPENSE-OTHER>                                                     1,087
<INCOME-PRETAX>                                                       302
<INCOME-PRE-EXTRAORDINARY>                                            302
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                          206
<EPS-BASIC>                                                           .25
<EPS-DILUTED>                                                         .25
<YIELD-ACTUAL>                                                       7.89
<LOANS-NON>                                                          1523
<LOANS-PAST>                                                            0
<LOANS-TROUBLED>                                                        0
<LOANS-PROBLEM>                                                        84
<ALLOWANCE-OPEN>                                                      379
<CHARGE-OFFS>                                                         180
<RECOVERIES>                                                            0
<ALLOWANCE-CLOSE>                                                     364
<ALLOWANCE-DOMESTIC>                                                  364
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                                 3


</TABLE>