<ARTICLE>                                            9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from the
Consolidated  Statement  of  Financial  Condition  as of June 30,  1998 and the
Consolidated  Statement of Operations  for the six months ended June 30, 1998
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-31-1998
<PERIOD-START>                                 Jan-01-1998
<PERIOD-END>                                   Jun-30-1998
<EXCHANGE-RATE>                                1
<CASH>                                         14,826
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               110,500
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    71,209
<INVESTMENTS-CARRYING>                         235,754
<INVESTMENTS-MARKET>                           236,393
<LOANS>                                        1,088,626
<ALLOWANCE>                                    5,894
<TOTAL-ASSETS>                                 1,563,460
<DEPOSITS>                                     1,121,696
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            61,753
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       160
<OTHER-SE>                                     379,851
<TOTAL-LIABILITIES-AND-EQUITY>                 1,563,460
<INTEREST-LOAN>                                43,371
<INTEREST-INVEST>                              9,926
<INTEREST-OTHER>                               2,378
<INTEREST-TOTAL>                               55,675
<INTEREST-DEPOSIT>                             19,384
<INTEREST-EXPENSE>                             19,384
<INTEREST-INCOME-NET>                          36,291
<LOAN-LOSSES>                                  28
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                13,667
<INCOME-PRETAX>                                30,056
<INCOME-PRE-EXTRAORDINARY>                     22,850
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   22,850
<EPS-PRIMARY>                                  2.31
<EPS-DILUTED>                                  2.24
<YIELD-ACTUAL>                                 5.00
<LOANS-NON>                                    0
<LOANS-PAST>                                   257
<LOANS-TROUBLED>                               1,814
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               5,880
<CHARGE-OFFS>                                  21
<RECOVERIES>                                   7
<ALLOWANCE-CLOSE>                              5,894
<ALLOWANCE-DOMESTIC>                           5,894
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0