<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 QUARTERLY  PERIOD ENDED  SEPTEMBER 30, 1999 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-30-2000
<PERIOD-END>                               SEP-30-1999
<CASH>                                           9,415
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     14,018
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         56,788
<ALLOWANCE>                                        364
<TOTAL-ASSETS>                                  84,076
<DEPOSITS>                                      58,857
<SHORT-TERM>                                    16,584
<LIABILITIES-OTHER>                                427
<LONG-TERM>                                          0
<COMMON>                                            10
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                       8,119
<TOTAL-LIABILITIES-AND-EQUITY>                  84,076
<INTEREST-LOAN>                                  1,180
<INTEREST-INVEST>                                  272
<INTEREST-OTHER>                                    97
<INTEREST-TOTAL>                                 1,549
<INTEREST-DEPOSIT>                                 647
<INTEREST-EXPENSE>                                 862
<INTEREST-INCOME-NET>                              687
<LOAN-LOSSES>                                       24
<SECURITIES-GAINS>                                (233)
<EXPENSE-OTHER>                                    539
<INCOME-PRETAX>                                      9
<INCOME-PRE-EXTRAORDINARY>                           9
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                         6
<EPS-BASIC>                                        .01
<EPS-DILUTED>                                      .01
<YIELD-ACTUAL>                                    7.74
<LOANS-NON>                                      1,093
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    512
<ALLOWANCE-OPEN>                                   343
<CHARGE-OFFS>                                        5
<RECOVERIES>                                         2
<ALLOWANCE-CLOSE>                                  364
<ALLOWANCE-DOMESTIC>                               364
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>