<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>

The Schedule contains summary financial information extracted from the financial
statements for the three months ended December 31, 1999 and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<CIK>                                      0001063942
<NAME>                       GOUVERNEUR BANCORP, INC.
<MULTIPLIER>                                     1000
<CURRENCY>                                        USD

<S>                             <C>
<PERIOD-TYPE>                                   3-MOS
<FISCAL-YEAR-END>                         SEP-30-2000
<PERIOD-START>                            OCT-01-1999
<PERIOD-END>                              DEC-31-1999
<EXCHANGE-RATE>                                 1
<CASH>                                       1,322
<INT-BEARING-DEPOSITS>                         548
<FED-FUNDS-SOLD>                             1,000
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                 12,630
<INVESTMENTS-CARRYING>                       5,637
<INVESTMENTS-MARKET>                         5,552
<LOANS>                                     49,037
<ALLOWANCE>                                    660
<TOTAL-ASSETS>                              71,683
<DEPOSITS>                                  44,118
<SHORT-TERM>                                10,800
<LIABILITIES-OTHER>                          1,207
<LONG-TERM>                                      0
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<COMMON>                                        24
<OTHER-SE>                                  15,534
<TOTAL-LIABILITIES-AND-EQUITY>              71,683
<INTEREST-LOAN>                              1,030
<INTEREST-INVEST>                              271
<INTEREST-OTHER>                                21
<INTEREST-TOTAL>                             1,322
<INTEREST-DEPOSIT>                             455
<INTEREST-EXPENSE>                             582
<INTEREST-INCOME-NET>                          740
<LOAN-LOSSES>                                   39
<SECURITIES-GAINS>                               0
<EXPENSE-OTHER>                                520
<INCOME-PRETAX>                                245
<INCOME-PRE-EXTRAORDINARY>                     245
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                   149
<EPS-BASIC>                                    .07
<EPS-DILUTED>                                  .07
<YIELD-ACTUAL>                                4.34
<LOANS-NON>                                    138
<LOANS-PAST>                                     0
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                               620
<CHARGE-OFFS>                                   16
<RECOVERIES>                                    17
<ALLOWANCE-CLOSE>                              660
<ALLOWANCE-DOMESTIC>                           660
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0


</TABLE>