<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>                                     U.S. DOLLARS

<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>                                              39,391
<INT-BEARING-DEPOSITS>                                 537
<FED-FUNDS-SOLD>                                     3,741
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        246,435
<INVESTMENTS-CARRYING>                               2,486
<INVESTMENTS-MARKET>                                 2,486
<LOANS>                                            580,955
<ALLOWANCE>                                         11,072
<TOTAL-ASSETS>                                     914,805
<DEPOSITS>                                         557,259
<SHORT-TERM>                                       118,933
<LIABILITIES-OTHER>                                 23,667
<LONG-TERM>                                         44,382
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 1
<OTHER-SE>                                         117,804
<TOTAL-LIABILITIES-AND-EQUITY>                     914,805
<INTEREST-LOAN>                                     11,252
<INTEREST-INVEST>                                    2,621
<INTEREST-OTHER>                                       171
<INTEREST-TOTAL>                                    14,044
<INTEREST-DEPOSIT>                                   4,656
<INTEREST-EXPENSE>                                   5,909
<INTEREST-INCOME-NET>                                8,135
<LOAN-LOSSES>                                          800
<SECURITIES-GAINS>                                       3
<EXPENSE-OTHER>                                      5,887
<INCOME-PRETAX>                                      2,599
<INCOME-PRE-EXTRAORDINARY>                           2,599
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,880
<EPS-BASIC>                                           0.18
<EPS-DILUTED>                                         0.18
<YIELD-ACTUAL>                                        7.38
<LOANS-NON>                                          6,893
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                       605
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                    10,764
<CHARGE-OFFS>                                          527
<RECOVERIES>                                            35
<ALLOWANCE-CLOSE>                                   11,072
<ALLOWANCE-DOMESTIC>                                11,072
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                956



</TABLE>