<ARTICLE> 9 <CIK> 0000799166 <NAME> MASSBANK CORP. <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1996 <PERIOD-START> JAN-01-1996 <PERIOD-END> JUN-30-1996 <CASH> 9,629 <INT-BEARING-DEPOSITS> 1,694 <FED-FUNDS-SOLD> 81,343 <TRADING-ASSETS> 6,616 <INVESTMENTS-HELD-FOR-SALE> 497,398 <INVESTMENTS-CARRYING> 170 <INVESTMENTS-MARKET> 170 <LOANS> 257,923 <ALLOWANCE> (2,420) <TOTAL-ASSETS> 880,534 <DEPOSITS> 778,406 <SHORT-TERM> 954 <LIABILITIES-OTHER> 13,884 <LONG-TERM> 1,093 <COMMON> 5,464 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 80,733 <TOTAL-LIABILITIES-AND-EQUITY> 880,534 <INTEREST-LOAN> 9,737 <INTEREST-INVEST> 15,546 <INTEREST-OTHER> 3,231 <INTEREST-TOTAL> 28,514 <INTEREST-DEPOSIT> 16,148 <INTEREST-EXPENSE> 16,148 <INTEREST-INCOME-NET> 12,366 <LOAN-LOSSES> 65 <SECURITIES-GAINS> 418 <EXPENSE-OTHER> 6,086 <INCOME-PRETAX> 7,556 <INCOME-PRE-EXTRAORDINARY> 7,556 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,593 <EPS-PRIMARY> 1.66 <EPS-DILUTED> 1.66 <YIELD-ACTUAL> 2.98 <LOANS-NON> 2,362 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,362 <ALLOWANCE-OPEN> 2,529 <CHARGE-OFFS> (179) <RECOVERIES> 5 <ALLOWANCE-CLOSE> 2,420 <ALLOWANCE-DOMESTIC> 2,382 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 38