<ARTICLE> 9 <CIK> 0000799166 <NAME> MASSBANK CORP. <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> JUN-30-1995 <CASH> 10,517 <INT-BEARING-DEPOSITS> 900 <FED-FUNDS-SOLD> 100,937 <TRADING-ASSETS> 36,312 <INVESTMENTS-HELD-FOR-SALE> 246,553 <INVESTMENTS-CARRYING> 185,468 <INVESTMENTS-MARKET> 186,727 <LOANS> 241,982 <ALLOWANCE> (2,568) <TOTAL-ASSETS> 840,823 <DEPOSITS> 747,685 <SHORT-TERM> 1,050 <LIABILITIES-OTHER> 7,933 <LONG-TERM> 1,249 <COMMON> 5,373 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 77,533 <TOTAL-LIABILITIES-AND-EQUITY> 840,823 <INTEREST-LOAN> 9,784 <INTEREST-INVEST> 16,081 <INTEREST-OTHER> 2,203 <INTEREST-TOTAL> 28,068 <INTEREST-DEPOSIT> 14,868 <INTEREST-EXPENSE> 14,868 <INTEREST-INCOME-NET> 13,200 <LOAN-LOSSES> 110 <SECURITIES-GAINS> 39 <EXPENSE-OTHER> 7,078 <INCOME-PRETAX> 7,049 <INCOME-PRE-EXTRAORDINARY> 7,049 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,295 <EPS-PRIMARY> 1.54 <EPS-DILUTED> 1.54 <YIELD-ACTUAL> 3.24 <LOANS-NON> 1,520 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,520 <ALLOWANCE-OPEN> 2,566 <CHARGE-OFFS> (150) <RECOVERIES> 42 <ALLOWANCE-CLOSE> 2,568 <ALLOWANCE-DOMESTIC> 101 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,467