<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Statement  of Financial  Condition as of December 31, 1998 and the  Consolidated
Statement of Operations for the year ended December 31, 1998 and is qualified in
its entirety by reference to such financial statements.
</LEGEND>
<CIK>                         0000861499
<NAME>                        JSB Financial, Inc.
<MULTIPLIER>                                   1,000
<CURRENCY>                                     U.S. Dollars
       
<S>                             <C>
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                              Dec-31-1998
<PERIOD-START>                                 Jan-01-1998
<PERIOD-END>                                   Dec-31-1998
<EXCHANGE-RATE>                                1
<CASH>                                         13,849
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               99,000
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    83,592
<INVESTMENTS-CARRYING>                         208,457
<INVESTMENTS-MARKET>                           208,906
<LOANS>                                        1,175,583
<ALLOWANCE>                                    5,924
<TOTAL-ASSETS>                                 1,621,649
<DEPOSITS>                                     1,124,166
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            65,007
<LONG-TERM>                                    50,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       160
<OTHER-SE>                                     382,316
<TOTAL-LIABILITIES-AND-EQUITY>                 1,621,649
<INTEREST-LOAN>                                88,987
<INTEREST-INVEST>                              17,716
<INTEREST-OTHER>                               4,057
<INTEREST-TOTAL>                               110,760
<INTEREST-DEPOSIT>                             38,291
<INTEREST-EXPENSE>                             38,476
<INTEREST-INCOME-NET>                          72,284
<LOAN-LOSSES>                                  51
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                27,458
<INCOME-PRETAX>                                57,676
<INCOME-PRE-EXTRAORDINARY>                     44,388
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   44,388
<EPS-PRIMARY>                                  4.53
<EPS-DILUTED>                                  4.41
<YIELD-ACTUAL>                                 4.97
<LOANS-NON>                                    213
<LOANS-PAST>                                   236
<LOANS-TROUBLED>                               1,842
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               5,880
<CHARGE-OFFS>                                  25
<RECOVERIES>                                   18
<ALLOWANCE-CLOSE>                              5,924
<ALLOWANCE-DOMESTIC>                           5,924
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0
        


</TABLE>