<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>                                         JUN-30-2000
<EXCHANGE-RATE>                                                1
<CASH>                                                    19,037
<INT-BEARING-DEPOSITS>                                         4
<FED-FUNDS-SOLD>                                           4,600
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                              243,642
<INVESTMENTS-CARRYING>                                     2,348
<INVESTMENTS-MARKET>                                       2,329
<LOANS>                                                  591,199
<ALLOWANCE>                                               11,643
<TOTAL-ASSETS>                                           902,844
<DEPOSITS>                                               560,728
<SHORT-TERM>                                             101,006
<LIABILITIES-OTHER>                                       21,595
<LONG-TERM>                                               53,147
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<COMMON>                                                       1
<OTHER-SE>                                               117,804
<TOTAL-LIABILITIES-AND-EQUITY>                           902,844
<INTEREST-LOAN>                                           34,312
<INTEREST-INVEST>                                          7,919
<INTEREST-OTHER>                                             533
<INTEREST-TOTAL>                                          42,764
<INTEREST-DEPOSIT>                                        13,909
<INTEREST-EXPENSE>                                        18,130
<INTEREST-INCOME-NET>                                     24,634
<LOAN-LOSSES>                                              1,807
<SECURITIES-GAINS>                                         (115)
<EXPENSE-OTHER>                                           16,723
<INCOME-PRETAX>                                            8,724
<INCOME-PRE-EXTRAORDINARY>                                 8,724
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                               6,248
<YIELD-ACTUAL>                                              7.39
<LOANS-NON>                                                6,151
<LOANS-PAST>                                                   0
<LOANS-TROUBLED>                                              54
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                          10,764
<CHARGE-OFFS>                                              1,392
<RECOVERIES>                                                 464
<ALLOWANCE-CLOSE>                                         11,643
<ALLOWANCE-DOMESTIC>                                      11,643
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                      848
<EPS-BASIC>                                                 0.61
<EPS-DILUTED>                                               0.61


</TABLE>