<TABLE> <S> <C>


<ARTICLE>                                            9
<CIK>                         0000707805
<NAME>                        U.S.B. HOLDING CO., INC.
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   SEP-30-1998
<CASH>                                              22,707
<INT-BEARING-DEPOSITS>                               2,020
<FED-FUNDS-SOLD>                                    33,496
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        373,409
<INVESTMENTS-CARRYING>                              66,610
<INVESTMENTS-MARKET>                                70,034
<LOANS>                                            695,760
<ALLOWANCE>                                          9,002
<TOTAL-ASSETS>                                   1,236,043
<DEPOSITS>                                         965,352
<SHORT-TERM>                                         9,000
<LIABILITIES-OTHER>                                 14,203
<LONG-TERM>                                        130,711
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               146
<OTHER-SE>                                          94,494
<TOTAL-LIABILITIES-AND-EQUITY>                   1,236,043
<INTEREST-LOAN>                                     43,399
<INTEREST-INVEST>                                   22,928
<INTEREST-OTHER>                                     1,074
<INTEREST-TOTAL>                                    67,401
<INTEREST-DEPOSIT>                                  29,249
<INTEREST-EXPENSE>                                  35,518
<INTEREST-INCOME-NET>                               31,883
<LOAN-LOSSES>                                          931
<SECURITIES-GAINS>                                   1,091
<EXPENSE-OTHER>                                     24,840
<INCOME-PRETAX>                                     10,167
<INCOME-PRE-EXTRAORDINARY>                          10,167
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         8,549
<EPS-PRIMARY>                                          .61
<EPS-DILUTED>                                          .57
<YIELD-ACTUAL>                                           0
<LOANS-NON>                                          4,941
<LOANS-PAST>                                           279
<LOANS-TROUBLED>                                       494
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     8,260
<CHARGE-OFFS>                                          262
<RECOVERIES>                                            73
<ALLOWANCE-CLOSE>                                    9,002
<ALLOWANCE-DOMESTIC>                                 9,002
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
        


</TABLE>