<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information extracted from the
company's financial statements for the period indicated and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<CIK>                         0001075954
<NAME>                        Oswego County Bancorp, Inc.
<MULTIPLIER>                                   1000
<CURRENCY>                                     U.S. Dollars

<S>                             <C>
<PERIOD-TYPE>                   6-MOs
<FISCAL-YEAR-END>                           DEC-31-2000
<PERIOD-START>                              JAN-01-2000
<PERIOD-END>                                JUN-30-2000
<EXCHANGE-RATE>                                    1.00
<CASH>                                            5,753
<INT-BEARING-DEPOSITS>                                0
<FED-FUNDS-SOLD>                                      0
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      20,824
<INVESTMENTS-CARRYING>                           15,695
<INVESTMENTS-MARKET>                             15,217
<LOANS>                                          79,973
<ALLOWANCE>                                      (1,070)
<TOTAL-ASSETS>                                  131,512
<DEPOSITS>                                      105,100
<SHORT-TERM>                                        450
<LIABILITIES-OTHER>                               2,704
<LONG-TERM>                                       9,000
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                              9
<OTHER-SE>                                       14,249
<TOTAL-LIABILITIES-AND-EQUITY>                  131,512
<INTEREST-LOAN>                                   3,146
<INTEREST-INVEST>                                 1,162
<INTEREST-OTHER>                                     45
<INTEREST-TOTAL>                                  4,353
<INTEREST-DEPOSIT>                                1,654
<INTEREST-EXPENSE>                                1,869
<INTEREST-INCOME-NET>                             2,484
<LOAN-LOSSES>                                        30
<SECURITIES-GAINS>                                  (13)
<EXPENSE-OTHER>                                   2,764
<INCOME-PRETAX>                                     315
<INCOME-PRE-EXTRAORDINARY>                          226
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                        226
<EPS-BASIC>                                        0.26
<EPS-DILUTED>                                      0.26
<YIELD-ACTUAL>                                     4.36
<LOANS-NON>                                       1,162
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                    250
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  1,069
<CHARGE-OFFS>                                        66
<RECOVERIES>                                         37
<ALLOWANCE-CLOSE>                                 1,070
<ALLOWANCE-DOMESTIC>                              1,070
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                               0



</TABLE>