<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF HERITAGE FINANCIAL SERVICES, INC. FOR THE THREE MONTHS
ENDED MARCH 31, 1996, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               MAR-31-1996
<EXCHANGE-RATE>                                      1
<CASH>                                           6,325
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     19,184
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         84,904
<ALLOWANCE>                                     (1,330)
<TOTAL-ASSETS>                                 117,095
<DEPOSITS>                                     102,918
<SHORT-TERM>                                     3,180
<LIABILITIES-OTHER>                                936
<LONG-TERM>                                        212
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,069
<OTHER-SE>                                       8,780
<TOTAL-LIABILITIES-AND-EQUITY>                 117,095
<INTEREST-LOAN>                                  2,222
<INTEREST-INVEST>                                  286
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,508
<INTEREST-DEPOSIT>                               1,024
<INTEREST-EXPENSE>                               1,061
<INTEREST-INCOME-NET>                            1,447
<LOAN-LOSSES>                                      105
<SECURITIES-GAINS>                                  74
<EXPENSE-OTHER>                                  1,342
<INCOME-PRETAX>                                    779
<INCOME-PRE-EXTRAORDINARY>                         779
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       496
<EPS-PRIMARY>                                      .90
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    9.34
<LOANS-NON>                                        120
<LOANS-PAST>                                         6
<LOANS-TROUBLED>                                    63
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,267
<CHARGE-OFFS>                                       44
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                1,329
<ALLOWANCE-DOMESTIC>                             1,329
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0