<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SUSQUEHANNA
BANCSHARES, INC. FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               MAR-31-1995
<CASH>                                          72,471
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                47,966
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    343,180
<INVESTMENTS-CARRYING>                         175,017
<INVESTMENTS-MARKET>                           173,798
<LOANS>                                      1,298,123
<ALLOWANCE>                                     22,707
<TOTAL-ASSETS>                               2,001,352
<DEPOSITS>                                   1,675,836
<SHORT-TERM>                                    33,798
<LIABILITIES-OTHER>                             23,441
<LONG-TERM>                                     67,676
<COMMON>                                       200,601
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                           0
<TOTAL-LIABILITIES-AND-EQUITY>               2,001,352
<INTEREST-LOAN>                                 28,574
<INTEREST-INVEST>                                7,608
<INTEREST-OTHER>                                   529
<INTEREST-TOTAL>                                36,711
<INTEREST-DEPOSIT>                              12,797
<INTEREST-EXPENSE>                               1,563
<INTEREST-INCOME-NET>                           22,351
<LOAN-LOSSES>                                    1,461
<SECURITIES-GAINS>                                (88)
<EXPENSE-OTHER>                                 17,289
<INCOME-PRETAX>                                  6,454
<INCOME-PRE-EXTRAORDINARY>                       4,838
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,838
<EPS-PRIMARY>                                      .46
<EPS-DILUTED>                                      .46
<YIELD-ACTUAL>                                     5.1
<LOANS-NON>                                     22,785
<LOANS-PAST>                                     5,790
<LOANS-TROUBLED>                                 6,914
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                22,750
<CHARGE-OFFS>                                    1,721
<RECOVERIES>                                       217
<ALLOWANCE-CLOSE>                               22,707
<ALLOWANCE-DOMESTIC>                            22,707
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0