<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Statement  of Financial  Condition as of December 31, 1997 and the  Consolidated
Statement of Income for the year ended December 31, 1997 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-31-1997
<PERIOD-START>                                 Jan-01-1997
<PERIOD-END>                                   Dec-31-1997
<EXCHANGE-RATE>                                1
<CASH>                                         12,924
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               62,000
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    62,243
<INVESTMENTS-CARRYING>                         352,967
<INVESTMENTS-MARKET>                           353,996
<LOANS>                                        1,005,625
<ALLOWANCE>                                    5,880
<TOTAL-ASSETS>                                 1,535,031
<DEPOSITS>                                     1,121,203
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            46,314
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       160
<OTHER-SE>                                     367,354
<TOTAL-LIABILITIES-AND-EQUITY>                 1,535,031
<INTEREST-LOAN>                                76,219
<INTEREST-INVEST>                              28,020
<INTEREST-OTHER>                               3,503
<INTEREST-TOTAL>                               107,742
<INTEREST-DEPOSIT>                             39,874
<INTEREST-EXPENSE>                             39,874
<INTEREST-INCOME-NET>                          67,868
<LOAN-LOSSES>                                  648
<SECURITIES-GAINS>                             6,991
<EXPENSE-OTHER>                                27,434
<INCOME-PRETAX>                                61,715
<INCOME-PRE-EXTRAORDINARY>                     37,090
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   37,090
<EPS-PRIMARY>                                  3.76
<EPS-DILUTED>                                  3.64
<YIELD-ACTUAL>                                 4.73
<LOANS-NON>                                    12,754
<LOANS-PAST>                                   515
<LOANS-TROUBLED>                               1,840
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               5,327
<CHARGE-OFFS>                                  107
<RECOVERIES>                                   12
<ALLOWANCE-CLOSE>                              5,880
<ALLOWANCE-DOMESTIC>                           5,880
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0
        


</TABLE>