<ARTICLE> 9 <CIK> 0000799166 <NAME> MASSBANK CORP. <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JAN-01-1995 <PERIOD-END> DEC-31-1995 <CASH> 8,150 <INT-BEARING-DEPOSITS> 941 <FED-FUNDS-SOLD> 115,245 <TRADING-ASSETS> 6,819 <INVESTMENTS-HELD-FOR-SALE> 456,101 <INVESTMENTS-CARRYING> 402 <INVESTMENTS-MARKET> 402 <LOANS> 249,185 <ALLOWANCE> (2,529) <TOTAL-ASSETS> 854,542 <DEPOSITS> 753,657 <SHORT-TERM> 992 <LIABILITIES-OTHER> 7,983 <LONG-TERM> 1,093 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,425 <OTHER-SE> 85,392 <TOTAL-LIABILITIES-AND-EQUITY> 854,542 <INTEREST-LOAN> 19,498 <INTEREST-INVEST> 31,432 <INTEREST-OTHER> 5,681 <INTEREST-TOTAL> 56,611 <INTEREST-DEPOSIT> 30,896 <INTEREST-EXPENSE> 30,896 <INTEREST-INCOME-NET> 25,715 <LOAN-LOSSES> 170 <SECURITIES-GAINS> 92 <EXPENSE-OTHER> 13,178 <INCOME-PRETAX> 14,315 <INCOME-PRE-EXTRAORDINARY> 14,315 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,759 <EPS-PRIMARY> 3.15 <EPS-DILUTED> 3.12 <YIELD-ACTUAL> 3.15 <LOANS-NON> 2,428 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,428 <ALLOWANCE-OPEN> 2,566 <CHARGE-OFFS> (249) <RECOVERIES> 42 <ALLOWANCE-CLOSE> 2,529 <ALLOWANCE-DOMESTIC> 2,503 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 26