<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF GREENE COUNTY BANK FOR THE NINE MONTHS ENDED SEPTEMBER
30, 1995, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               SEP-30-1995
<CASH>                                          12,737
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 9,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     33,381
<INVESTMENTS-CARRYING>                          34,106
<INVESTMENTS-MARKET>                            34,379
<LOANS>                                        284,976
<ALLOWANCE>                                      3,880
<TOTAL-ASSETS>                                 389,046
<DEPOSITS>                                     335,646
<SHORT-TERM>                                     4,774
<LIABILITIES-OTHER>                              3,282
<LONG-TERM>                                      3,509
<COMMON>                                         4,474
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      37,361
<TOTAL-LIABILITIES-AND-EQUITY>                 389,046
<INTEREST-LOAN>                                 19,902
<INTEREST-INVEST>                                3,082
<INTEREST-OTHER>                                   381
<INTEREST-TOTAL>                                23,365
<INTEREST-DEPOSIT>                               9,335
<INTEREST-EXPENSE>                               9,660
<INTEREST-INCOME-NET>                           13,705
<LOAN-LOSSES>                                      493
<SECURITIES-GAINS>                                   6
<EXPENSE-OTHER>                                  7,996
<INCOME-PRETAX>                                  7,310
<INCOME-PRE-EXTRAORDINARY>                       7,310
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,547
<EPS-PRIMARY>                                    10.22
<EPS-DILUTED>                                     4.55
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                        885
<LOANS-PAST>                                     1,003
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,447
<CHARGE-OFFS>                                      436
<RECOVERIES>                                       376
<ALLOWANCE-CLOSE>                                3,880
<ALLOWANCE-DOMESTIC>                             3,880
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

</TABLE>