<TABLE> <S> <C>

<ARTICLE>                                             9
<LEGEND>
                                  Exhibit 27.1
                            Financial Data Schedule
</LEGEND>
<CIK>                                        0001063918
<NAME>                        CNY Financial Corporation
<MULTIPLIER>                                      1,000

<S>                                         <C>                <C>
<PERIOD-TYPE>                                3-MOS              3-MOS
<FISCAL-YEAR-END>                            DEC-31-2000        DEC-31-1999
<PERIOD-END>                                 MAR-31-2000        MAR-31-1999
<CASH>                                             3,937              5,812
<INT-BEARING-DEPOSITS>                               183              1,130
<FED-FUNDS-SOLD>                                       0                  0
<TRADING-ASSETS>                                       0                  0
<INVESTMENTS-HELD-FOR-SALE>                       92,579             96,409
<INVESTMENTS-CARRYING>                             6,379              9,268
<INVESTMENTS-MARKET>                               6,270              9,324
<LOANS>                                          173,568            162,336
<ALLOWANCE>                                        2,452              2,569
<TOTAL-ASSETS>                                   284,331            281,923
<DEPOSITS>                                       195,430            195,407
<SHORT-TERM>                                       8,500              4,000
<LIABILITIES-OTHER>                                4,339              3,969
<LONG-TERM>                                        8,000              1,000
<PREFERRED-MANDATORY>                                  0                  0
<PREFERRED>                                            0                  0
<COMMON>                                              54                 54
<OTHER-SE>                                        68,008             77,493
<TOTAL-LIABILITIES-AND-EQUITY>                   284,331            281,923
<INTEREST-LOAN>                                    3,466              3,288
<INTEREST-INVEST>                                  1,601              1,444
<INTEREST-OTHER>                                      11                 84
<INTEREST-TOTAL>                                   5,078              4,816
<INTEREST-DEPOSIT>                                 1,753              1,775
<INTEREST-EXPENSE>                                 2,036              1,792
<INTEREST-INCOME-NET>                              3,042              3,024
<LOAN-LOSSES>                                          0                 75
<SECURITIES-GAINS>                                     6                  0
<EXPENSE-OTHER>                                    2,076              1,830
<INCOME-PRETAX>                                    1,321              1,335
<INCOME-PRE-EXTRAORDINARY>                         1,321              1,335
<EXTRAORDINARY>                                        0                  0
<CHANGES>                                              0                  0
<NET-INCOME>                                         825                 74
<EPS-BASIC>                                         0.21               0.16
<EPS-DILUTED>                                       0.20               0.16
<YIELD-ACTUAL>                                      4.46               4.62
<LOANS-NON>                                          569              1,256
<LOANS-PAST>                                           0                  2
<LOANS-TROUBLED>                                       0                  0
<LOANS-PROBLEM>                                        0                  0
<ALLOWANCE-OPEN>                                   2,430              2,494
<CHARGE-OFFS>                                         13                 21
<RECOVERIES>                                          35                 21
<ALLOWANCE-CLOSE>                                  2,452              2,569
<ALLOWANCE-DOMESTIC>                               2,452              2,569
<ALLOWANCE-FOREIGN>                                    0                  0
<ALLOWANCE-UNALLOCATED>                                0                  0


</TABLE>