<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
unaudited  financial  statements  of SIS Bancorp.  Inc. for the six months ended
June 30, 1996 and is qualified  in its  entirety by reference to such  financial
statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-START>                             JAN-01-1996
<PERIOD-END>                               JUN-30-1996
<CASH>                                          35,931
<INT-BEARING-DEPOSITS>                              45
<FED-FUNDS-SOLD>                                10,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    337,444
<INVESTMENTS-CARRYING>                         193,197
<INVESTMENTS-MARKET>                           192,728
<LOANS>                                        578,635
<ALLOWANCE>                                     14,913
<TOTAL-ASSETS>                               1,209,843
<DEPOSITS>                                     927,298
<SHORT-TERM>                                   165,893
<LIABILITIES-OTHER>                             26,630
<LONG-TERM>                                      3,026
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            57
<OTHER-SE>                                      86,939
<TOTAL-LIABILITIES-AND-EQUITY>               1,209,843
<INTEREST-LOAN>                                 23,474
<INTEREST-INVEST>                               15,511
<INTEREST-OTHER>                                   259
<INTEREST-TOTAL>                                39,244
<INTEREST-DEPOSIT>                              16,068
<INTEREST-EXPENSE>                              19,216
<INTEREST-INCOME-NET>                           20,028
<LOAN-LOSSES>                                    1,450
<SECURITIES-GAINS>                                   2
<EXPENSE-OTHER>                                  6,771
<INCOME-PRETAX>                                  5,939
<INCOME-PRE-EXTRAORDINARY>                       5,939
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,449
<EPS-PRIMARY>                                     1.00
<EPS-DILUTED>                                     1.00
<YIELD-ACTUAL>                                    7.45
<LOANS-NON>                                      8,872
<LOANS-PAST>                                       296
<LOANS-TROUBLED>                                   891
<LOANS-PROBLEM>                                 14,965
<ALLOWANCE-OPEN>                                14,986
<CHARGE-OFFS>                                    3,021
<RECOVERIES>                                     1,498
<ALLOWANCE-CLOSE>                               14,913
<ALLOWANCE-DOMESTIC>                            14,913
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0