<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>                                     6-MOS
<FISCAL-YEAR-END>                                 DEC-31-1999
<PERIOD-START>                                    JAN-01-1999
<PERIOD-END>                                      JUN-30-1999
<EXCHANGE-RATE>                                   1.000
<CASH>                                            5,173
<INT-BEARING-DEPOSITS>                            123
<FED-FUNDS-SOLD>                                  0
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                       135,697
<INVESTMENTS-CARRYING>                            489
<INVESTMENTS-MARKET>                              489
<LOANS>                                           106,999
<ALLOWANCE>                                       1,217
<TOTAL-ASSETS>                                    258,925
<DEPOSITS>                                        196,440
<SHORT-TERM>                                      0
<LIABILITIES-OTHER>                               3,022
<LONG-TERM>                                       39,000
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                          18
<OTHER-SE>                                        20,445
<TOTAL-LIABILITIES-AND-EQUITY>                    258,925
<INTEREST-LOAN>                                   4,227
<INTEREST-INVEST>                                 4,682
<INTEREST-OTHER>                                  264
<INTEREST-TOTAL>                                  9,173
<INTEREST-DEPOSIT>                                3,820
<INTEREST-EXPENSE>                                4,765
<INTEREST-INCOME-NET>                             4,408
<LOAN-LOSSES>                                     300
<SECURITIES-GAINS>                                88
<EXPENSE-OTHER>                                   3,738
<INCOME-PRETAX>                                   1,283
<INCOME-PRE-EXTRAORDINARY>                        0
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                      831
<EPS-BASIC>                                     .47
<EPS-DILUTED>                                     .47
<YIELD-ACTUAL>                                    3.38
<LOANS-NON>                                       388
<LOANS-PAST>                                      0
<LOANS-TROUBLED>                                  0
<LOANS-PROBLEM>                                   0
<ALLOWANCE-OPEN>                                  1,071
<CHARGE-OFFS>                                     179
<RECOVERIES>                                      25
<ALLOWANCE-CLOSE>                                 1,217
<ALLOWANCE-DOMESTIC>                              1,217
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                           0





</TABLE>