<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM
THE QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<CIK>                                          0001016931   
<NAME>                                         AFSALA BANCORP, INC.   
<MULTIPLIER>                                      1000
       
<S>                                         <C>
<PERIOD-TYPE>                                    9-MOS
<FISCAL-YEAR-END>                                SEP-30-1998
<PERIOD-END>                                     JUN-30-1998
<CASH>                                           5,309
<INT-BEARING-DEPOSITS>                           3,000
<FED-FUNDS-SOLD>                                12,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     45,902
<INVESTMENTS-CARRYING>                          16,619
<INVESTMENTS-MARKET>                            16,734
<LOANS>                                         81,118
<ALLOWANCE>                                      1,148
<TOTAL-ASSETS>                                 167,301
<DEPOSITS>                                     144,546
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,081
<LONG-TERM>                                      1,599
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           145
<OTHER-SE>                                      18,930 
<TOTAL-LIABILITIES-AND-EQUITY>                 167,301
<INTEREST-LOAN>                                  4,718
<INTEREST-INVEST>                                3,132
<INTEREST-OTHER>                                   523
<INTEREST-TOTAL>                                 8,373
<INTEREST-DEPOSIT>                               4,352
<INTEREST-EXPENSE>                                  87
<INTEREST-INCOME-NET>                            3,934
<LOAN-LOSSES>                                       55
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,990
<INCOME-PRETAX>                                  1,169
<INCOME-PRE-EXTRAORDINARY>                       1,169
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       683
<EPS-PRIMARY>                                      .56
<EPS-DILUTED>                                      .54
<YIELD-ACTUAL>                                    3.43
<LOANS-NON>                                        515
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,108
<CHARGE-OFFS>                                       16
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                1,148
<ALLOWANCE-DOMESTIC>                               519
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            628
        


</TABLE>