<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
COMPANY'S ANNUAL AUDITED  FINANCIAL  STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<CIK>                         0001075046
<NAME>                        TROY FINANCIAL CORPORATION
<MULTIPLIER>                                   1,000
<CURRENCY>                                     US-DOLLARS

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              SEP-30-2000
<PERIOD-START>                                 OCT-01-1999
<PERIOD-END>                                   MAR-31-2000
<EXCHANGE-RATE>                                1.00
<CASH>                                                                    19,241
<INT-BEARING-DEPOSITS>                                                       312
<FED-FUNDS-SOLD>                                                           9,391
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                              249,603
<INVESTMENTS-CARRYING>                                                     2,442
<INVESTMENTS-MARKET>                                                       2,423
<LOANS>                                                                  584,946
<ALLOWANCE>                                                               11,305
<TOTAL-ASSETS>                                                           910,095
<DEPOSITS>                                                               560,710
<SHORT-TERM>                                                             106,442
<LIABILITIES-OTHER>                                                       19,181
<LONG-TERM>                                                               53,266
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                       1
<OTHER-SE>                                                               117,804
<TOTAL-LIABILITIES-AND-EQUITY>                                           910,095
<INTEREST-LOAN>                                                           22,629
<INTEREST-INVEST>                                                          5,400
<INTEREST-OTHER>                                                             355
<INTEREST-TOTAL>                                                          28,384
<INTEREST-DEPOSIT>                                                         9,215
<INTEREST-EXPENSE>                                                        12,165
<INTEREST-INCOME-NET>                                                     16,219
<LOAN-LOSSES>                                                              1,338
<SECURITIES-GAINS>                                                             5
<EXPENSE-OTHER>                                                           11,287
<INCOME-PRETAX>                                                            5,420
<INCOME-PRE-EXTRAORDINARY>                                                 5,420
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               3,949
<EPS-BASIC>                                                                 0.38
<EPS-DILUTED>                                                               0.38
<YIELD-ACTUAL>                                                              7.32
<LOANS-NON>                                                                5,502
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                              56
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                          10,764
<CHARGE-OFFS>                                                              1,208
<RECOVERIES>                                                                 411
<ALLOWANCE-CLOSE>                                                         11,305
<ALLOWANCE-DOMESTIC>                                                      11,305
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      848



</TABLE>