<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE SUSQUEHANNA
BANCSHARES, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENT OF CONDITION AT
DECEMBER 31, 1998 AND THE CONSOLIDATED STATEMENT OF INCOME FOR THE YEAR ENDED
DECEMBER 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                         105,263
<INT-BEARING-DEPOSITS>                          17,926
<FED-FUNDS-SOLD>                                58,089
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    873,086
<INVESTMENTS-CARRYING>                          59,837
<INVESTMENTS-MARKET>                            61,019
<LOANS>                                      2,773,550
<ALLOWANCE>                                     35,171
<TOTAL-ASSETS>                               4,064,827
<DEPOSITS>                                   3,124,332
<SHORT-TERM>                                   137,601
<LIABILITIES-OTHER>                             41,538
<LONG-TERM>                                    370,160
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        71,825
<OTHER-SE>                                     319,371
<TOTAL-LIABILITIES-AND-EQUITY>               4,064,827
<INTEREST-LOAN>                                235,661
<INTEREST-INVEST>                               53,104
<INTEREST-OTHER>                                 4,001
<INTEREST-TOTAL>                               292,766
<INTEREST-DEPOSIT>                             111,099
<INTEREST-EXPENSE>                             138,576
<INTEREST-INCOME-NET>                          154,190
<LOAN-LOSSES>                                    5,247
<SECURITIES-GAINS>                                  73
<EXPENSE-OTHER>                                113,206
<INCOME-PRETAX>                                 66,658
<INCOME-PRE-EXTRAORDINARY>                      66,658
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    45,574
<EPS-PRIMARY>                                     1.27
<EPS-DILUTED>                                     1.26
<YIELD-ACTUAL>                                    8.18
<LOANS-NON>                                     20,130
<LOANS-PAST>                                    10,420
<LOANS-TROUBLED>                                 1,201
<LOANS-PROBLEM>                                 36,608
<ALLOWANCE-OPEN>                                35,508
<CHARGE-OFFS>                                    6,954
<RECOVERIES>                                     1,370
<ALLOWANCE-CLOSE>                               35,171
<ALLOWANCE-DOMESTIC>                            35,171
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0