<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>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<EXCHANGE-RATE>                                       1.00
<CASH>                                               5,095
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         21,396
<INVESTMENTS-CARRYING>                              14,531
<INVESTMENTS-MARKET>                                14,109
<LOANS>                                             87,012
<ALLOWANCE>                                         (1,156)
<TOTAL-ASSETS>                                     137,175
<DEPOSITS>                                         106,021
<SHORT-TERM>                                         4,400
<LIABILITIES-OTHER>                                  3,205
<LONG-TERM>                                          9,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                 9
<OTHER-SE>                                          14,540
<TOTAL-LIABILITIES-AND-EQUITY>                     137,175
<INTEREST-LOAN>                                      4,924
<INTEREST-INVEST>                                    1,732
<INTEREST-OTHER>                                        48
<INTEREST-TOTAL>                                     6,704
<INTEREST-DEPOSIT>                                   2,579
<INTEREST-EXPENSE>                                   2,971
<INTEREST-INCOME-NET>                                3,733
<LOAN-LOSSES>                                          110
<SECURITIES-GAINS>                                     (13)
<EXPENSE-OTHER>                                      4,014
<INCOME-PRETAX>                                        566
<INCOME-PRE-EXTRAORDINARY>                             409
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           409
<EPS-BASIC>                                           0.48
<EPS-DILUTED>                                         0.48
<YIELD-ACTUAL>                                        4.27
<LOANS-NON>                                          1,420
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                       220
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,069
<CHARGE-OFFS>                                           77
<RECOVERIES>                                            54
<ALLOWANCE-CLOSE>                                    1,156
<ALLOWANCE-DOMESTIC>                                 1,156
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>