<TABLE> <S> <C>

<ARTICLE>                                            9
<CIK>                                       0001063918
<NAME>                       CNY FINANCIAL CORPORATION
<MULTIPLIER>                                     1,000
<CURRENCY>                                         USD

<S>                                        <C>             <C>
<PERIOD-TYPE>                                    9-MOS           9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999     DEC-31-1998
<PERIOD-START>                             JAN-01-1999     JAN-01-1998
<PERIOD-END>                               SEP-30-1999     SEP-30-1998
<EXCHANGE-RATE>                                      1               1
<CASH>                                           5,963           4,478
<INT-BEARING-DEPOSITS>                             134          12,332
<FED-FUNDS-SOLD>                                     0          15,300
<TRADING-ASSETS>                                     0               0
<INVESTMENTS-HELD-FOR-SALE>                    108,501          65,999
<INVESTMENTS-CARRYING>                           7,387          11,373
<INVESTMENTS-MARKET>                             7,337          11,530
<LOANS>                                        166,182         161,748
<ALLOWANCE>                                      2,445           2,407
<TOTAL-ASSETS>                                 296,294         279,134
<DEPOSITS>                                     196,413         241,772
<SHORT-TERM>                                    11,200               0
<LIABILITIES-OTHER>                              4,384           3,582
<LONG-TERM>                                      9,000           1,000
<PREFERRED-MANDATORY>                                0               0
<PREFERRED>                                          0               0
<COMMON>                                            54               0
<OTHER-SE>                                      75,243          32,780
<TOTAL-LIABILITIES-AND-EQUITY>                 296,294         279,134
<INTEREST-LOAN>                                  9,835          10,057
<INTEREST-INVEST>                                4,765           2,709
<INTEREST-OTHER>                                   151             324
<INTEREST-TOTAL>                                14,751          13,090
<INTEREST-DEPOSIT>                               5,290           6,066
<INTEREST-EXPENSE>                               5,580           6,077
<INTEREST-INCOME-NET>                            9,171           7,013
<LOAN-LOSSES>                                      100             250
<SECURITIES-GAINS>                                  19              36
<EXPENSE-OTHER>                                  5,784           5,291
<INCOME-PRETAX>                                  4,079           2,812
<INCOME-PRE-EXTRAORDINARY>                       4,079           2,812
<EXTRAORDINARY>                                      0               0
<CHANGES>                                            0               0
<NET-INCOME>                                     2,382           1,620
<EPS-BASIC>                                       0.52               0
<EPS-DILUTED>                                     0.52               0
<YIELD-ACTUAL>                                    4.51            4.20
<LOANS-NON>                                        805           1,220
<LOANS-PAST>                                        10              16
<LOANS-TROUBLED>                                     0               0
<LOANS-PROBLEM>                                      0               0
<ALLOWANCE-OPEN>                                 2,494           2,143
<CHARGE-OFFS>                                      233             119
<RECOVERIES>                                        84             133
<ALLOWANCE-CLOSE>                                2,445           2,407
<ALLOWANCE-DOMESTIC>                             2,445           2,407
<ALLOWANCE-FOREIGN>                                  0               0
<ALLOWANCE-UNALLOCATED>                              0               0


</TABLE>