<ARTICLE>                                            9
<LEGEND>
     This schedule  contains summary  financial  information  extracted from the
Consolidated  Statement  of  Financial  Condition  as of June 30,  1999 and the
Consolidated  Statement of Operations  for the six months ended June 30, 1999
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-31-1999
<PERIOD-START>                                 Jan-01-1999
<PERIOD-END>                                   Jun-30-1999
<EXCHANGE-RATE>                                1
<CASH>                                         14,393
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               64,500
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    86,697
<INVESTMENTS-CARRYING>                         221,364
<INVESTMENTS-MARKET>                           220,883
<LOANS>                                        1,190,131
<ALLOWANCE>                                    5,943
<TOTAL-ASSETS>                                 1,620,021
<DEPOSITS>                                     1,110,116
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            84,990
<LONG-TERM>                                    50,000
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       160
<OTHER-SE>                                     374,755
<TOTAL-LIABILITIES-AND-EQUITY>                 1,620,021
<INTEREST-LOAN>                                46,477
<INTEREST-INVEST>                              7,090
<INTEREST-OTHER>                               1,585
<INTEREST-TOTAL>                               55,152
<INTEREST-DEPOSIT>                             17,348
<INTEREST-EXPENSE>                             18,741
<INTEREST-INCOME-NET>                          36,411
<LOAN-LOSSES>                                  12
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                14,312
<INCOME-PRETAX>                                25,163
<INCOME-PRE-EXTRAORDINARY>                     14,372
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   14,372
<EPS-BASIC>                                    1.54
<EPS-DILUTED>                                  1.51
<YIELD-ACTUAL>                                 4.87
<LOANS-NON>                                    213
<LOANS-PAST>                                   272
<LOANS-TROUBLED>                               557
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               5,924
<CHARGE-OFFS>                                  13
<RECOVERIES>                                   20
<ALLOWANCE-CLOSE>                              5,943
<ALLOWANCE-DOMESTIC>                           5,943
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0