<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED  FINANCIAL  STATEMENTS OF CNY FINANCIAL  CORPORATION AND SUBSIDIARY
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK>                               0001063918
<NAME>               CNY Financial Corporation
<MULTIPLIER>                             1,000
<CURRENCY>                                 USD

<S>                                       <C>          <C>
<PERIOD-TYPE>                             YEAR                YEAR
<FISCAL-YEAR-END>                  DEC-31-1999         DEC-31-1998
<PERIOD-START>                     JAN-01-1999         JAN-01-1998
<PERIOD-END>                       DEC-31-1999         DEC-31-1998
<EXCHANGE-RATE>                              1                   1
<CASH>                                   6,051               4,432
<INT-BEARING-DEPOSITS>                     221               6,104
<FED-FUNDS-SOLD>                             0               4,000
<TRADING-ASSETS>                             0                   0
<INVESTMENTS-HELD-FOR-SALE>             97,560              88,437
<INVESTMENTS-CARRYING>                   7,103              10,318
<INVESTMENTS-MARKET>                     7,026              10,404
<LOANS>                                169,087             161,701
<ALLOWANCE>                              2,430               2,494
<TOTAL-ASSETS>                         287,445             281,186
<DEPOSITS>                             195,470             196,014
<SHORT-TERM>                             1,200                   0
<LIABILITIES-OTHER>                      5,075               5,102
<LONG-TERM>                             18,000               1,000
<PREFERRED-MANDATORY>                        0                   0
<PREFERRED>                                  0                   0
<COMMON>                                    54                  54
<OTHER-SE>                              67,646              79,016
<TOTAL-LIABILITIES-AND-EQUITY>         287,445             281,186
<INTEREST-LOAN>                         13,183              13,420
<INTEREST-INVEST>                        6,587               4,583
<INTEREST-OTHER>                             0                   0
<INTEREST-TOTAL>                        19,770              18,003
<INTEREST-DEPOSIT>                       7,046               7,961
<INTEREST-EXPENSE>                       7,607               7,986
<INTEREST-INCOME-NET>                   12,163              10,017
<LOAN-LOSSES>                              100                 325
<SECURITIES-GAINS>                          23                   6
<EXPENSE-OTHER>                          7,874               8,326
<INCOME-PRETAX>                          5,267               2,949
<INCOME-PRE-EXTRAORDINARY>               2,972               1,679
<EXTRAORDINARY>                              0                   0
<CHANGES>                                    0                   0
<NET-INCOME>                             2,972               1,679
<EPS-BASIC>                               0.67                   0
<EPS-DILUTED>                             0.66                   0
<YIELD-ACTUAL>                            4.46                4.28
<LOANS-NON>                                603                 920
<LOANS-PAST>                                 6                  15
<LOANS-TROUBLED>                             0                   0
<LOANS-PROBLEM>                              0                   0
<ALLOWANCE-OPEN>                         2,494               2,143
<CHARGE-OFFS>                              280                 180
<RECOVERIES>                               116                 206
<ALLOWANCE-CLOSE>                        2,430               2,494
<ALLOWANCE-DOMESTIC>                     2,430               2,494
<ALLOWANCE-FOREIGN>                          0                   0
<ALLOWANCE-UNALLOCATED>                      0                   0


</TABLE>