<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Financial Condition as of September 30, 1999 and the
Consolidated Statement of Operations for the nine months ended September 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> 9-MOS
<FISCAL-YEAR-END> Dec-31-1999
<PERIOD-START> Jan-01-1999
<PERIOD-END> Sep-30-1999
<EXCHANGE-RATE> 1
<CASH> 12,753
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 32,500
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 79,173
<INVESTMENTS-CARRYING> 193,540
<INVESTMENTS-MARKET> 192,781
<LOANS> 1,232,745
<ALLOWANCE> 5,937
<TOTAL-ASSETS> 1,595,770
<DEPOSITS> 1,092,044
<SHORT-TERM> 0
<LIABILITIES-OTHER> 79,494
<LONG-TERM> 50,000
<PREFERRED-MANDATORY> 0
<PREFERRED> 0
<COMMON> 160
<OTHER-SE> 374,072
<TOTAL-LIABILITIES-AND-EQUITY> 1,595,770
<INTEREST-LOAN> 69,896
<INTEREST-INVEST> 10,243
<INTEREST-OTHER> 2,361
<INTEREST-TOTAL> 82,500
<INTEREST-DEPOSIT> 25,879
<INTEREST-EXPENSE> 27,981
<INTEREST-INCOME-NET> 54,519
<LOAN-LOSSES> 13
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 21,175
<INCOME-PRETAX> 37,792
<INCOME-PRE-EXTRAORDINARY> 37,792
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 21,574
<EPS-BASIC> 2.32
<EPS-DILUTED> 2.27
<YIELD-ACTUAL> 4.88
<LOANS-NON> 0
<LOANS-PAST> 307
<LOANS-TROUBLED> 553
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 5,924
<CHARGE-OFFS> 22
<RECOVERIES> 22
<ALLOWANCE-CLOSE> 5,937
<ALLOWANCE-DOMESTIC> 5,937
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0