HORIZON FINANCIAL CORP
10-Q, EX-27, 2000-11-13
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          MAR-31-2001
<PERIOD-END>                               SEP-30-2000
<CASH>                                        10960764
<INT-BEARING-DEPOSITS>                         5118522
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                   79438248
<INVESTMENTS-CARRYING>                         8209455
<INVESTMENTS-MARKET>                           8214943
<LOANS>                                      603851914
<ALLOWANCE>                                    4807054
<TOTAL-ASSETS>                               737450196
<DEPOSITS>                                   579463556
<SHORT-TERM>                                  48221000
<LIABILITIES-OTHER>                            8258417
<LONG-TERM>                                    2000000
                                0
                                          0
<COMMON>                                       8658991
<OTHER-SE>                                    85919807
<TOTAL-LIABILITIES-AND-EQUITY>               737450196
<INTEREST-LOAN>                               24118723
<INTEREST-INVEST>                              3348728
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                              27467451
<INTEREST-DEPOSIT>                            14092566
<INTEREST-EXPENSE>                            15627781
<INTEREST-INCOME-NET>                         11839670
<LOAN-LOSSES>                                   140000
<SECURITIES-GAINS>                               38847
<EXPENSE-OTHER>                                6870028
<INCOME-PRETAX>                                6234657
<INCOME-PRE-EXTRAORDINARY>                     6234657
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   4143792
<EPS-BASIC>                                       0.51
<EPS-DILUTED>                                     0.51
<YIELD-ACTUAL>                                    7.99
<LOANS-NON>                                       2622
<LOANS-PAST>                                   1146666
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               4757152
<CHARGE-OFFS>                                    40629
<RECOVERIES>                                       531
<ALLOWANCE-CLOSE>                              4807054
<ALLOWANCE-DOMESTIC>                           1210000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        3597054


</TABLE>


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