<ARTICLE> 9
<LEGEND>
This schedule contains summary info 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.
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-1997
<PERIOD-START>                             OCT-01-1996
<PERIOD-END>                               DEC-31-1996
<CASH>                                          13,883
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
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<INVESTMENTS-HELD-FOR-SALE>                    578,770
<INVESTMENTS-CARRYING>                         569,931
<INVESTMENTS-MARKET>                           557,260
<LOANS>                                      1,915,413
<ALLOWANCE>                                   (18,958)
<TOTAL-ASSETS>                               3,122,017
<DEPOSITS>                                   1,700,722
<SHORT-TERM>                                 1,069,045
<LIABILITIES-OTHER>                            193,200
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
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<INTEREST-LOAN>                                 38,761
<INTEREST-INVEST>                               16,646
<INTEREST-OTHER>                                    10
<INTEREST-TOTAL>                                55,417
<INTEREST-DEPOSIT>                              14,094
<INTEREST-EXPENSE>                              27,538
<INTEREST-INCOME-NET>                           27,879
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                 117
<EXPENSE-OTHER>                                 12,428
<INCOME-PRETAX>                                 17,999
<INCOME-PRE-EXTRAORDINARY>                      10,264
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,264
<EPS-PRIMARY>                                      .60
<EPS-DILUTED>                                      .59
<YIELD-ACTUAL>                                    3.90
<LOANS-NON>                                     31,991
<LOANS-PAST>                                     4,600
<LOANS-TROUBLED>                                 5,600
<LOANS-PROBLEM>                                      0
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<CHARGE-OFFS>                                      749
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                               18,958
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<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,274