<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from the
Statement  of Financial  Condition as of December 31, 1996 and the  Consolidated
Statement of INcome for the year ended December 31, 1996 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-31-1996
<PERIOD-START>                                 Jan-01-1996
<PERIOD-END>                                   Dec-31-1996
<EXCHANGE-RATE>                                1
<CASH>                                         12,894
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               86,500
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    51,021
<INVESTMENTS-CARRYING>                         460,509
<INVESTMENTS-MARKET>                           461,784
<LOANS>                                        860,101
<ALLOWANCE>                                    5,327
<TOTAL-ASSETS>                                 1,516,016
<DEPOSITS>                                     1,144,393
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            36,324
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       160
<OTHER-SE>                                     335,139
<TOTAL-LIABILITIES-AND-EQUITY>                 1,516,016
<INTEREST-LOAN>                                71,251
<INTEREST-INVEST>                              32,497
<INTEREST-OTHER>                               3,863
<INTEREST-TOTAL>                               107,611
<INTEREST-DEPOSIT>                             40,217
<INTEREST-EXPENSE>                             40,217
<INTEREST-INCOME-NET>                          67,394
<LOAN-LOSSES>                                  640
<SECURITIES-GAINS>                             2
<EXPENSE-OTHER>                                27,598
<INCOME-PRETAX>                                46,277
<INCOME-PRE-EXTRAORDINARY>                     26,725
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   26,725
<EPS-PRIMARY>                                  2.66
<EPS-DILUTED>                                  2.56
<YIELD-ACTUAL>                                 4.68
<LOANS-NON>                                    12,754
<LOANS-PAST>                                   1,397
<LOANS-TROUBLED>                               1,874
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               4,697
<CHARGE-OFFS>                                  33
<RECOVERIES>                                   23
<ALLOWANCE-CLOSE>                              5,327
<ALLOWANCE-DOMESTIC>                           5,327
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0
        


</TABLE>