<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
COMPANY'S  QUARTERLY  UNAUDITED  FINANCIAL  STATEMENTS  AND IS  QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<CIK>                                           0001075046
<NAME>                                          Troy Financial Corp.
<MULTIPLIER>                                    1,000
<CURRENCY>                                      U.S. Dollars

<S>                                            <C>
<PERIOD-TYPE>                                   9-MOS
<FISCAL-YEAR-END>                                                    SEP-30-1999
<PERIOD-START>                                                       OCT-01-1998
<PERIOD-END>                                                         JUN-30-1999
<EXCHANGE-RATE>                                                                1
<CASH>                                                                    20,936
<INT-BEARING-DEPOSITS>                                                     3,896
<FED-FUNDS-SOLD>                                                           7,050
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                              262,471
<INVESTMENTS-CARRYING>                                                     2,619
<INVESTMENTS-MARKET>                                                       2,680
<LOANS>                                                                  528,786
<ALLOWANCE>                                                               10,250
<TOTAL-ASSETS>                                                           849,346
<DEPOSITS>                                                               569,763
<SHORT-TERM>                                                              33,067
<LIABILITIES-OTHER>                                                       22,939
<LONG-TERM>                                                               44,610
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       1
<OTHER-SE>                                                               117,759
<TOTAL-LIABILITIES-AND-EQUITY>                                           178,967
<INTEREST-LOAN>                                                           29,225
<INTEREST-INVEST>                                                          6,636
<INTEREST-OTHER>                                                           1,947
<INTEREST-TOTAL>                                                          37,808
<INTEREST-DEPOSIT>                                                        15,661
<INTEREST-EXPENSE>                                                        17,888
<INTEREST-INCOME-NET>                                                     19,920
<LOAN-LOSSES>                                                              2,437
<SECURITIES-GAINS>                                                            14
<EXPENSE-OTHER>                                                           20,159
<INCOME-PRETAX>                                                            (427)
<INCOME-PRE-EXTRAORDINARY>                                                     0
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 314
<EPS-BASIC>                                                               0.16
<EPS-DILUTED>                                                               0.16
<YIELD-ACTUAL>                                                              7.04
<LOANS-NON>                                                                7,558
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                             891
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                           8,260
<CHARGE-OFFS>                                                                651
<RECOVERIES>                                                                 204
<ALLOWANCE-CLOSE>                                                         10,250
<ALLOWANCE-DOMESTIC>                                                      10,250
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                    3,268


</TABLE>