<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the Annual
Report to Shareholders as incorporated by reference into this 10K and is
qualified in its entirety by reference to the audited financial statements
contained herein.
</LEGEND>
<CIK> 0001050996
<NAME> Northeast Pennsylvania Financial Corp.
<MULTIPLIER> 1,000
<CURRENCY> U.S. Dollars
<S> <C>
<PERIOD-TYPE> 12-MOS
<FISCAL-YEAR-END> SEP-30-2000
<PERIOD-START> OCT-01-1999
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> (8,315)
<INT-BEARING-DEPOSITS> 14,610
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 157,474
<INVESTMENTS-CARRYING> 30,336
<INVESTMENTS-MARKET> 28,129
<LOANS> 415,105
<ALLOWANCE> 4,162
<TOTAL-ASSETS> 637,342
<DEPOSITS> 419,671
<SHORT-TERM> 48,654
<LIABILITIES-OTHER> 5,581
<LONG-TERM> 90,461
0
0
<COMMON> 64
<OTHER-SE> 72,911
<TOTAL-LIABILITIES-AND-EQUITY> 637,342
<INTEREST-LOAN> 31,221
<INTEREST-INVEST> 10,232
<INTEREST-OTHER> 3,693
<INTEREST-TOTAL> 45,146
<INTEREST-DEPOSIT> 15,311
<INTEREST-EXPENSE> 26,531
<INTEREST-INCOME-NET> 18,615
<LOAN-LOSSES> 1,467
<SECURITIES-GAINS> 37
<EXPENSE-OTHER> 14,527
<INCOME-PRETAX> 4,517
<INCOME-PRE-EXTRAORDINARY> 4,517
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,936
<EPS-BASIC> 0.84
<EPS-DILUTED> 0.81
<YIELD-ACTUAL> 7.53
<LOANS-NON> 3,499
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,924
<CHARGE-OFFS> (247)
<RECOVERIES> 18
<ALLOWANCE-CLOSE> 4,162 <F1>
<ALLOWANCE-DOMESTIC> 3,735
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 427 <F2>
<FN>
1. Allowance for loan loss at end of period includes an increase in the
allowance through the provision for loan losses.
2. All unallocated is for domestic loans.
</FN>
</TABLE>