<ARTICLE> 9
<CIK> 0000702904
<NAME> AMBANC CORP.
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          27,592
<INT-BEARING-DEPOSITS>                             591
<FED-FUNDS-SOLD>                                 8,770
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    182,924
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        471,615
<ALLOWANCE>                                      5,431
<TOTAL-ASSETS>                                 712,586
<DEPOSITS>                                     627,109
<SHORT-TERM>                                     8,708
<LIABILITIES-OTHER>                              6,118
<LONG-TERM>                                      2,246
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        31,590
<OTHER-SE>                                      36,815
<TOTAL-LIABILITIES-AND-EQUITY>                 712,586
<INTEREST-LOAN>                                 10,293
<INTEREST-INVEST>                                2,709
<INTEREST-OTHER>                                   166
<INTEREST-TOTAL>                                13,336
<INTEREST-DEPOSIT>                               6,610
<INTEREST-EXPENSE>                               6,733
<INTEREST-INCOME-NET>                            6,603
<LOAN-LOSSES>                                      299
<SECURITIES-GAINS>                                 (8)
<EXPENSE-OTHER>                                  4,416
<INCOME-PRETAX>                                  2,863
<INCOME-PRE-EXTRAORDINARY>                       2,863
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,039
<EPS-PRIMARY>                                      .64
<EPS-DILUTED>                                      .64
<YIELD-ACTUAL>                                    3.99
<LOANS-NON>                                      3,952
<LOANS-PAST>                                     1,726
<LOANS-TROUBLED>                                    85
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,139
<CHARGE-OFFS>                                      154
<RECOVERIES>                                       147
<ALLOWANCE-CLOSE>                                5,431
<ALLOWANCE-DOMESTIC>                             2,511
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,920