<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