<ARTICLE> 9
<LEGEND>
This legend contains summary information extracted from the Form 10-Q and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK> 0000820068
<NAME> NEW YORK BANCORP INC.
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1996
<PERIOD-END>                               DEC-31-1995
<CASH>                                          30,284
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                11,400
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    321,922
<INVESTMENTS-CARRYING>                         585,609
<INVESTMENTS-MARKET>                           572,911
<LOANS>                                      1,682,617
<ALLOWANCE>                                   (20,723)
<TOTAL-ASSETS>                               2,695,288
<DEPOSITS>                                   1,757,211
<SHORT-TERM>                                   729,492
<LIABILITIES-OTHER>                             51,360
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           147
<OTHER-SE>                                     157,078
<TOTAL-LIABILITIES-AND-EQUITY>               2,695,288
<INTEREST-LOAN>                                 34,941
<INTEREST-INVEST>                               15,598
<INTEREST-OTHER>                                   120
<INTEREST-TOTAL>                                50,659
<INTEREST-DEPOSIT>                              15,881
<INTEREST-EXPENSE>                              26,991
<INTEREST-INCOME-NET>                           23,668
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                 631
<EXPENSE-OTHER>                                 11,910
<INCOME-PRETAX>                                 14,027
<INCOME-PRE-EXTRAORDINARY>                       7,828
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,828
<EPS-PRIMARY>                                      .64
<EPS-DILUTED>                                      .64
<YIELD-ACTUAL>                                    3.61
<LOANS-NON>                                     28,835
<LOANS-PAST>                                     4,900
<LOANS-TROUBLED>                                 8,500
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                21,272
<CHARGE-OFFS>                                      870
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                               20,723
<ALLOWANCE-DOMESTIC>                            20,723
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1> Not contained in this document.
</FN>