FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D.C.   20549

QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934

For Quarter Ended September 30, 1995

Commission File No. 0-14995

YORK FINANCIAL CORP.
 (Exact name of Registrant as specified in its charter)

Pennsylvania
(State or other jurisdiction of incorporation or
organization) 23-2427539
(I.R.S. employer identification number)

101 South George Street, York, Pa.   17401
(Address of principal executive offices)
(Zip code)

(717) 846-8777
Registrant's telephone number, including area code

Indicate  by check mark whether the Registrant (1) has filed
all reports  required  to  be filed by Section 13  or  15(d)
of  the Securities  Exchange Act of 1934 during the
preceding 12  months, and (2) has been subject to such
filing requirements for the past 90 days.

Yes  [  X ]
No   [    ]

Indicate the number of shares outstanding of each of the
issuer's classes of common stock, as of the latest
practicable date.

Common   stock,  par  value  $1.00  per  share  5,989,002
shares outstanding as of September 30, 1995.

                    YORK FINANCIAL CORP.
                              
                            INDEX
                              
                              
Page
Part I.         FINANCIAL INFORMATION
Number

Item 1.    Financial Statements

Consolidated balance sheets
September 30, 1995 and June 30, 1995 (unaudited)       3

Consolidated statements of income,
three months ended September 30, 1995
and 1994 (unaudited)                                   4
Consolidated statements of cash flows,
three months ended September 30, 1995
and 1994 (unaudited)                                   5

Notes to consolidated financial statements             6
Item 2.   Management's Discussion and Analysis of
     Financial Condition and Results of Operations     7
Part II.       OTHER INFORMATION

Item 1.    Legal Proceedings                           14

Item 2.    Changes in Securities                       14

Item 3.    Defaults upon Senior Securities             14
Item 4.    Submission of Matters to a Vote of
                  Security Holders                     14
Item 5.    Other Information                           14
Item 6.    Exhibits and Reports on Form 8-K            14


SIGNATURES                                             15

Exhibit 27 Article 9                                   16
                         SIGNATURES
                              
                              
                              
                              
Pursuant  to the requirements of the Securities Exchange
Act  of 1934, the registrant has duly caused this report to
be signed  on its behalf by the undersigned thereunto duly
authorized.



York Financial Corp.
(Registrant)


Date  November 10, 1995
/s/  Robert W. Pullo
Robert W. Pullo, President Chief Executive Officer


Date  November 10, 1995
/s/  James H. Moss
James H. Moss, Senior Vice President -Chief Financial
Officer/Treasurer