<TABLE> <S> <C>


<ARTICLE>                                         9
<LEGEND>
     (Replace this text with the legend)
</LEGEND>

<CIK>                                             0001070517
<NAME>                                            LONG ISLAND FINANCIAL CORP.
<MULTIPLIER>                                      1,000
<CURRENCY>                                        U.S. DOLLARS

<S>                                               <C>
<PERIOD-TYPE>                                     9-MOS
<FISCAL-YEAR-END>                                 DEC-31-1999
<PERIOD-START>                                    JAN-01-1999
<PERIOD-END>                                      SEP-30-1999
<EXCHANGE-RATE>                                   1.000
<CASH>                                            6,287
<INT-BEARING-DEPOSITS>                            188
<FED-FUNDS-SOLD>                                  0
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                       132,008
<INVESTMENTS-CARRYING>                            409
<INVESTMENTS-MARKET>                              408
<LOANS>                                           110,098
<ALLOWANCE>                                       1,349
<TOTAL-ASSETS>                                    259,949
<DEPOSITS>                                        197,437
<SHORT-TERM>                                      0
<LIABILITIES-OTHER>                               3,296
<LONG-TERM>                                       39,370
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                          18
<OTHER-SE>                                        19,828
<TOTAL-LIABILITIES-AND-EQUITY>                    259,949
<INTEREST-LOAN>                                   6,591
<INTEREST-INVEST>                                 6,860
<INTEREST-OTHER>                                  304
<INTEREST-TOTAL>                                  13,755
<INTEREST-DEPOSIT>                                5,621
<INTEREST-EXPENSE>                                7,086
<INTEREST-INCOME-NET>                             6,669
<LOAN-LOSSES>                                     450
<SECURITIES-GAINS>                                88
<EXPENSE-OTHER>                                   5,663
<INCOME-PRETAX>                                   1,884
<INCOME-PRE-EXTRAORDINARY>                        0
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                      1,212
<EPS-BASIC>                                     .68
<EPS-DILUTED>                                     .68
<YIELD-ACTUAL>                                    3.49
<LOANS-NON>                                       132
<LOANS-PAST>                                      0
<LOANS-TROUBLED>                                  0
<LOANS-PROBLEM>                                   0
<ALLOWANCE-OPEN>                                  1,071
<CHARGE-OFFS>                                     202
<RECOVERIES>                                      30
<ALLOWANCE-CLOSE>                                 1,349
<ALLOWANCE-DOMESTIC>                              1,349
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                           0





</TABLE>