<ARTICLE> 9
<LEGEND>

This  schedule  contains  summary  financial   information  extracted  from  the
Unaudited  Statement  of Financial  Condition  as of September  30, 1996 and the
Unaudited  Consolidated  Statement of Income for the nine months ended September
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>                         9-MOS
<FISCAL-YEAR-END>                                      DEC-31-1996
<PERIOD-START>                                         JAN-01-1996
<PERIOD-END>                                           SEP-30-1996
<EXCHANGE-RATE>                                                  1
<CASH>                                                      14,090
<INT-BEARING-DEPOSITS>                                           0
<FED-FUNDS-SOLD>                                            82,000
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 46,444
<INVESTMENTS-CARRYING>                                     482,674
<INVESTMENTS-MARKET>                                       483,351
<LOANS>                                                    843,464
<ALLOWANCE>                                                  5,170
<TOTAL-ASSETS>                                           1,518,830
<DEPOSITS>                                               1,151,039
<SHORT-TERM>                                                     0
<LIABILITIES-OTHER>                                         39,733
<LONG-TERM>                                                      0
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                       160
<OTHER-SE>                                                 327,898
<TOTAL-LIABILITIES-AND-EQUITY>                           1,518,830
<INTEREST-LOAN>                                             53,052
<INTEREST-INVEST>                                           24,988
<INTEREST-OTHER>                                             2,771
<INTEREST-TOTAL>                                            80,811
<INTEREST-DEPOSIT>                                          30,248
<INTEREST-EXPENSE>                                          30,248
<INTEREST-INCOME-NET>                                       50,563
<LOAN-LOSSES>                                                  481
<SECURITIES-GAINS>                                               2
<EXPENSE-OTHER>                                             20,293
<INCOME-PRETAX>                                             33,785
<INCOME-PRE-EXTRAORDINARY>                                  19,438
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                19,438
<EPS-PRIMARY>                                                 1.83
<EPS-DILUTED>                                                 1.82
<YIELD-ACTUAL>                                                4.67
<LOANS-NON>                                                 12,753
<LOANS-PAST>                                                 1,097
<LOANS-TROUBLED>                                             2,187
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             4,697
<CHARGE-OFFS>                                                   26
<RECOVERIES>                                                    18
<ALLOWANCE-CLOSE>                                            5,170
<ALLOWANCE-DOMESTIC>                                         5,170
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0