<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Unaudited Statement of Financial Condition as of June 30, 1996 and the Unaudited
Consolidated  Statement  of Income for the six months ended June 30, 1996 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK>                                                   0000861499
<NAME>                                         JSB Financial, Inc.
<MULTIPLIER>                                                 1,000
<CURRENCY>                                            U.S. DOLLARS
       
                                   
<PERIOD-TYPE>                         6-MOS
<FISCAL-YEAR-END>                                      DEC-31-1996
<PERIOD-START>                                         JAN-01-1996
<PERIOD-END>                                           JUN-30-1996
<EXCHANGE-RATE>                                                  1         
<CASH>                                                      12,736
<INT-BEARING-DEPOSITS>                                           0
<FED-FUNDS-SOLD>                                            54,000
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 43,661
<INVESTMENTS-CARRYING>                                     536,411
<INVESTMENTS-MARKET>                                       536,401
<LOANS>                                                    823,993
<ALLOWANCE>                                                  5,009
<TOTAL-ASSETS>                                           1,526,060
<DEPOSITS>                                               1,164,424
<SHORT-TERM>                                                     0
<LIABILITIES-OTHER>                                         28,919
<LONG-TERM>                                                      0
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                       160
<OTHER-SE>                                                 332,557
<TOTAL-LIABILITIES-AND-EQUITY>                           1,526,060
<INTEREST-LOAN>                                             34,976
<INTEREST-INVEST>                                           17,282
<INTEREST-OTHER>                                             1,605
<INTEREST-TOTAL>                                            53,863
<INTEREST-DEPOSIT>                                          20,188
<INTEREST-EXPENSE>                                          20,188
<INTEREST-INCOME-NET>                                       33,675
<LOAN-LOSSES>                                                  321
<SECURITIES-GAINS>                                               4
<EXPENSE-OTHER>                                             13,328
<INCOME-PRETAX>                                             22,376
<INCOME-PRE-EXTRAORDINARY>                                  12,876
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                12,876
<EPS-PRIMARY>                                                 1.19
<EPS-DILUTED>                                                 1.19
<YIELD-ACTUAL>                                                4.65
<LOANS-NON>                                                 12,753
<LOANS-PAST>                                                 1,426
<LOANS-TROUBLED>                                             4,948
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             4,697
<CHARGE-OFFS>                                                   20
<RECOVERIES>                                                    11
<ALLOWANCE-CLOSE>                                            5,009
<ALLOWANCE-DOMESTIC>                                         5,009
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0