<ARTICLE>                                      9
<LEGEND>
                                  Exhibit 27
                           Financial Data Schedule

     This schedule contains summary financial information extracted from the
Form 10Q for the quarter ended September 30, 1999 of Cohoes Bancorp, Inc. and
subsidiary and is qualified in its entirety by reference to such financial
statements.
</LEGEND>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              JUN-30-2000
<PERIOD-END>                                   SEP-30-1999
<CASH>                                         9,997
<INT-BEARING-DEPOSITS>                         95
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    42,354
<INVESTMENTS-CARRYING>                         57,491
<INVESTMENTS-MARKET>                           56,625
<LOANS>                                        552,106
<ALLOWANCE>                                    4,333
<TOTAL-ASSETS>                                 677,166
<DEPOSITS>                                     454,320
<SHORT-TERM>                                   34,835
<LIABILITIES-OTHER>                            4,676
<LONG-TERM>                                    48,824
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       95
<OTHER-SE>                                     129,445
<TOTAL-LIABILITIES-AND-EQUITY>                 677,166
<INTEREST-LOAN>                                10,212
<INTEREST-INVEST>                              1,537
<INTEREST-OTHER>                               4
<INTEREST-TOTAL>                               11,753
<INTEREST-DEPOSIT>                             4,145
<INTEREST-EXPENSE>                             5,114
<INTEREST-INCOME-NET>                          6,639
<LOAN-LOSSES>                                  340
<SECURITIES-GAINS>                             (1)
<EXPENSE-OTHER>                                4,311
<INCOME-PRETAX>                                2,650
<INCOME-PRE-EXTRAORDINARY>                     1,645
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,645
<EPS-BASIC>                                  .19
<EPS-DILUTED>                                  .19
<YIELD-ACTUAL>                                 4.11
<LOANS-NON>                                    3,550
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               651
<LOANS-PROBLEM>                                72
<ALLOWANCE-OPEN>                               4,025
<CHARGE-OFFS>                                  50
<RECOVERIES>                                   18
<ALLOWANCE-CLOSE>                              4,333
<ALLOWANCE-DOMESTIC>                           3,027
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        1,306