<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 NINE MONTH PERIODS ENDED MARCH 31, 1997 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>    1,000
       
<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          JUN-30-1997             JUN-30-1996
<PERIOD-END>                               MAR-31-1997             MAR-31-1997
<CASH>                                           4,779                   4,779
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     18,724                  18,724
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                         51,923                  51,923
<ALLOWANCE>                                        293                     293
<TOTAL-ASSETS>                                  78,368                  78,368
<DEPOSITS>                                      56,434                  56,434
<SHORT-TERM>                                    13,117                  13,117
<LIABILITIES-OTHER>                                593                     593
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                             5                       5
<OTHER-SE>                                       8,219                   8,219
<TOTAL-LIABILITIES-AND-EQUITY>                  78,368                  78,368
<INTEREST-LOAN>                                  1,114                   3,279
<INTEREST-INVEST>                                  310                     955
<INTEREST-OTHER>                                    41                      92
<INTEREST-TOTAL>                                 1,465                   4,326
<INTEREST-DEPOSIT>                                 660                   1,985
<INTEREST-EXPENSE>                                 830                   2,473
<INTEREST-INCOME-NET>                              634                   1,853
<LOAN-LOSSES>                                       12                     119
<SECURITIES-GAINS>                                   7                      65
<EXPENSE-OTHER>                                    479                   1,782
<INCOME-PRETAX>                                    239                     287
<INCOME-PRE-EXTRAORDINARY>                         239                     287
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                       150                     180
<EPS-PRIMARY>                                     0.36                    0.43
<EPS-DILUTED>                                     0.36                    0.43
<YIELD-ACTUAL>                                    8.14                    8.10
<LOANS-NON>                                        443                     443
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                    14                     157
<LOANS-PROBLEM>                                    397                     397
<ALLOWANCE-OPEN>                                   294                     318
<CHARGE-OFFS>                                       13                     146
<RECOVERIES>                                         0                       2
<ALLOWANCE-CLOSE>                                  293                     293
<ALLOWANCE-DOMESTIC>                               293                     293
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                             50                      50
        



</TABLE>