EXHIBIT 99.1

               STATEMENT FURNISHED PURSUANT TO SECTION 906 OF THE
               SARBANES-OXLEY ACT OF 2002, 18 U.S.C. SECTION 1350

      The undersigned, Gregory J. Kreis, is the President and Chief Executive
Officer of Oswego County Bancorp, Inc. (the "Company").

      This statement is being furnished in connection with the filing by the
Company of the Company's Quarterly Report on Form 10-Q for the quarter ended
June 30, 2002 (the "Report").

      By execution of this statement, I certify that:

            A)    the Report fully complies with the requirements of Section
                  13(a) or 15(d) of the Securities Exchange Act of 1934 (15
                  U.S.C. 78m(a) or 78o(d)) and

            B)    the information contained in the Report fairly presents, in
                  all material respects, the financial condition and results of
                  operations of the Company as of the dates and for the periods
                  covered by the Report.

      This statement is authorized to be attached as an exhibit to the Report so
that this statement will accompany the Report at such time as the Report is
filed with the Securities and Exchange Commission, pursuant to Section 906 of
the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350. It is not intended that
this statement be deemed to be filed for purposes of the Securities Exchange Act
of 1934, as amended.


                                       By: /s/ Gregory J. Kreis
                                           -------------------------------------
Date: August 13, 2002                      Gregory J. Kreis
                                           President and Chief Executive Officer


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<PAGE>

               STATEMENT FURNISHED PURSUANT TO SECTION 906 OF THE
               SARBANES-OXLEY ACT OF 2002, 18 U.S.C. SECTION 1350

      The undersigned, Eugene R. Sunderhaft, is the Senior Vice President and
Chief Financial Officer of Oswego County Bancorp, Inc. (the "Company").

      This statement is being furnished in connection with the filing by the
Company of the Company's Quarterly Report on Form 10-Q for the quarter ended
June 30, 2002 (the "Report").

      By execution of this statement, I certify that:

            A)    the Report fully complies with the requirements of Section
                  13(a) or 15(d) of the Securities Exchange Act of 1934 (15
                  U.S.C. 78m(a) or 78o(d)) and

            B)    the information contained in the Report fairly presents, in
                  all material respects, the financial condition and results of
                  operations of the Company as of the dates and for the periods
                  covered by the Report.

      This statement is authorized to be attached as an exhibit to the Report so
that this statement will accompany the Report at such time as the Report is
filed with the Securities and Exchange Commission, pursuant to Section 906 of
the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350. It is not intended that
this statement be deemed to be filed for purposes of the Securities Exchange Act
of 1934, as amended.


Date: August 13, 2002                    By: /s/ Eugene R. Sunderhaft
                                             ----------------------------------
                                             Eugene R. Sunderhaft
                                             Senior Vice President and Chief
                                             Financial Officer


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