<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 MONTH PERIOD ENDED MARCH 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                       1,000
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                            JUN-30-1998 
<PERIOD-END>                                 MAR-31-1998 
<CASH>                                             8,700 
<INT-BEARING-DEPOSITS>                                 0 
<FED-FUNDS-SOLD>                                       0 
<TRADING-ASSETS>                                       0 
<INVESTMENTS-HELD-FOR-SALE>                       24,417 
<INVESTMENTS-CARRYING>                                 0 
<INVESTMENTS-MARKET>                                   0 
<LOANS>                                           55,922 
<ALLOWANCE>                                          386 
<TOTAL-ASSETS>                                    92,710 
<DEPOSITS>                                        59,089 
<SHORT-TERM>                                      24,054 
<LIABILITIES-OTHER>                                1,121 
<LONG-TERM>                                            0 
<PREFERRED-MANDATORY>                                 10 
<PREFERRED>                                            0 
<COMMON>                                               0 
<OTHER-SE>                                         8,436 
<TOTAL-LIABILITIES-AND-EQUITY>                    92,710 
<INTEREST-LOAN>                                    1,201 
<INTEREST-INVEST>                                    428 
<INTEREST-OTHER>                                      81 
<INTEREST-TOTAL>                                   1,710 
<INTEREST-DEPOSIT>                                   683 
<INTEREST-EXPENSE>                                 1,011 
<INTEREST-INCOME-NET>                                699 
<LOAN-LOSSES>                                         34 
<SECURITIES-GAINS>                                    61 
<EXPENSE-OTHER>                                      481 
<INCOME-PRETAX>                                      351 
<INCOME-PRE-EXTRAORDINARY>                           351 
<EXTRAORDINARY>                                        0 
<CHANGES>                                              0 
<NET-INCOME>                                         230 
<EPS-PRIMARY>                                       0.27 
<EPS-DILUTED>                                       0.27 
<YIELD-ACTUAL>                                      8.02
<LOANS-NON>                                          838 
<LOANS-PAST>                                           0 
<LOANS-TROUBLED>                                       0 
<LOANS-PROBLEM>                                      119 
<ALLOWANCE-OPEN>                                     380 
<CHARGE-OFFS>                                         28 
<RECOVERIES>                                           0 
<ALLOWANCE-CLOSE>                                    386 
<ALLOWANCE-DOMESTIC>                                 386 
<ALLOWANCE-FOREIGN>                                    0 
<ALLOWANCE-UNALLOCATED>                               21 
                                                         

</TABLE>