<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>

This  schedule  contains  summary  financial   information  extracted  from  the
Unaudited  Statement  of  Financial  Condition  as of December  31, 1996 and the
Unaudited  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>                                                 2.54
<EPS-DILUTED>                                                 2.53
<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>