HARBOR FEDERAL BANCORP INC
10QSB, EX-27, 2000-08-10
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>

<ARTICLE>                                            9

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              MAR-31-2001
<PERIOD-END>                                   JUN-30-2000
<CASH>                                          1,558,622
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                  983,765
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                    66,300,636
<INVESTMENTS-CARRYING>                          1,405,292
<INVESTMENTS-MARKET>                            1,441,760
<LOANS>                                       174,739,549
<ALLOWANCE>                                       463,005
<TOTAL-ASSETS>                                253,642,223
<DEPOSITS>                                    172,837,947
<SHORT-TERM>                                   50,400,000
<LIABILITIES-OTHER>                             4,791,048
<LONG-TERM>                                             0
                                   0
                                             0
<COMMON>                                           16,645
<OTHER-SE>                                     25,656,583
<TOTAL-LIABILITIES-AND-EQUITY>                253,642,223
<INTEREST-LOAN>                                 3,359,713
<INTEREST-INVEST>                               1,289,536
<INTEREST-OTHER>                                   80,652
<INTEREST-TOTAL>                                4,729,901
<INTEREST-DEPOSIT>                              2,152,197
<INTEREST-EXPENSE>                              2,869,525
<INTEREST-INCOME-NET>                           1,860,376
<LOAN-LOSSES>                                      35,000
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                 1,181,717
<INCOME-PRETAX>                                   700,937
<INCOME-PRE-EXTRAORDINARY>                        410,887
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      410,887
<EPS-BASIC>                                           .25
<EPS-DILUTED>                                         .25
<YIELD-ACTUAL>                                       7.77
<LOANS-NON>                                             0
<LOANS-PAST>                                      848,555
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                         0
<ALLOWANCE-OPEN>                                  474,100
<CHARGE-OFFS>                                      46,095
<RECOVERIES>                                            0
<ALLOWANCE-CLOSE>                                 463,005
<ALLOWANCE-DOMESTIC>                                    0
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                           463,005


</TABLE>


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