<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the 
1st Quarter 1998 10-Q.
</LEGEND>
<CIK>                         0000872835
<NAME>                        PennFirst
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars
       
                             
<PERIOD-TYPE>                   3-mos
<FISCAL-YEAR-END>                              Dec-31-1998
<PERIOD-START>                                 Jan-01-1998
<PERIOD-END>                                   Mar-31-1998
<EXCHANGE-RATE>                                1.000
<CASH>                                         2,329
<INT-BEARING-DEPOSITS>                         6,541
<FED-FUNDS-SOLD>                               546
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    464,322
<INVESTMENTS-CARRYING>                         88,042
<INVESTMENTS-MARKET>                           87,558
<LOANS>                                        346,283
<ALLOWANCE>                                    4,818
<TOTAL-ASSETS>                                 945,550
<DEPOSITS>                                     401,587
<SHORT-TERM>                                   163,577
<LIABILITIES-OTHER>                            6,198
<LONG-TERM>                                    278,606
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       58
<OTHER-SE>                                     67,989
<TOTAL-LIABILITIES-AND-EQUITY>                 945,550
<INTEREST-LOAN>                                6,816
<INTEREST-INVEST>                              8,578
<INTEREST-OTHER>                               358
<INTEREST-TOTAL>                               15,752
<INTEREST-DEPOSIT>                             4,288
<INTEREST-EXPENSE>                             11,362
<INTEREST-INCOME-NET>                          4,390
<LOAN-LOSSES>                                  0
<SECURITIES-GAINS>                             (7)
<EXPENSE-OTHER>                                2,653
<INCOME-PRETAX>                                2,055
<INCOME-PRE-EXTRAORDINARY>                     2,055
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,550
<EPS-PRIMARY>                                  0.28
<EPS-DILUTED>                                  0.27
<YIELD-ACTUAL>                                 7.19
<LOANS-NON>                                    3,848
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               4,807
<CHARGE-OFFS>                                  0
<RECOVERIES>                                   11
<ALLOWANCE-CLOSE>                              4,818
<ALLOWANCE-DOMESTIC>                           4,818
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0