<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 NINE MONTH  PERIOD  ENDED MARCH 31, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                    1,000   
       
<S>                             <C>
<PERIOD-TYPE>                                                  9-MOS
<FISCAL-YEAR-END>                                           JUN-30-1999
<PERIOD-END>                                                MAR-31-1999
<CASH>                                                            6,147
<INT-BEARING-DEPOSITS>                                                0
<FED-FUNDS-SOLD>                                                      0
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                      20,877
<INVESTMENTS-CARRYING>                                                0
<INVESTMENTS-MARKET>                                                  0
<LOANS>                                                          54,547
<ALLOWANCE>                                                         365
<TOTAL-ASSETS>                                                   86,037
<DEPOSITS>                                                       56,934
<SHORT-TERM>                                                    20,628
<LIABILITIES-OTHER>                                                 734
<LONG-TERM>                                                           0
<COMMON>                                                             10
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                           0
<OTHER-SE>                                                        7,731
<TOTAL-LIABILITIES-AND-EQUITY>                                   86,037
<INTEREST-LOAN>                                                   3,457
<INTEREST-INVEST>                                                 1,068
<INTEREST-OTHER>                                                    167
<INTEREST-TOTAL>                                                  4,692
<INTEREST-DEPOSIT>                                                1,987
<INTEREST-EXPENSE>                                                2,762
<INTEREST-INCOME-NET>                                             1,930
<LOAN-LOSSES>                                                        72
<SECURITIES-GAINS>                                               (1,597)
<EXPENSE-OTHER>                                                   1,561
<INCOME-PRETAX>                                                    (917)
<INCOME-PRE-EXTRAORDINARY>                                         (917)
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                       (575)
<EPS-PRIMARY>                                                      (.67)
<EPS-DILUTED>                                                      (.67)
<YIELD-ACTUAL>                                                     7.75
<LOANS-NON>                                                       1,221
<LOANS-PAST>                                                          0
<LOANS-TROUBLED>                                                      0
<LOANS-PROBLEM>                                                     108
<ALLOWANCE-OPEN>                                                    348
<CHARGE-OFFS>                                                        81
<RECOVERIES>                                                         26
<ALLOWANCE-CLOSE>                                                   365
<ALLOWANCE-DOMESTIC>                                                365
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                              52
        

</TABLE>