<ARTICLE>                                 9
<LEGEND>
THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM JUNE 30,
1997 FORM 10-Q AND IS QUALIFIED IN ITS  ENTIRETY BY REFERENCE TO SUCH  FINANCIAL
STATEMENTS
</LEGEND>
<CIK>                            0001005817
<NAME>        TOMPKINS COUNTY TRUSTCO, INC.
<MULTIPLIER>                          1,000
<CURRENCY>                              USD
       
                             
<PERIOD-TYPE>                         9-MOS
<FISCAL-YEAR-END>               Dec-31-1997
<PERIOD-START>                  Jan-01-1997
<PERIOD-END>                    Sep-30-1997
<EXCHANGE-RATE>                           1
<CASH>                               24,528
<INT-BEARING-DEPOSITS>                    0
<FED-FUNDS-SOLD>                      2,700
<TRADING-ASSETS>                          0
<INVESTMENTS-HELD-FOR-SALE>         180,873
<INVESTMENTS-CARRYING>               37,091
<INVESTMENTS-MARKET>                 38,060
<LOANS>                             367,943
<ALLOWANCE>                           4,929
<TOTAL-ASSETS>                      624,124
<DEPOSITS>                          465,055
<SHORT-TERM>                         94,140
<LIABILITIES-OTHER>                   7,742
<LONG-TERM>                           2,000
<PREFERRED-MANDATORY>                     0
<PREFERRED>                               0
<COMMON>                                326
<OTHER-SE>                           54,861
<TOTAL-LIABILITIES-AND-EQUITY>      624,124
<INTEREST-LOAN>                      24,272
<INTEREST-INVEST>                    10,442
<INTEREST-OTHER>                        198
<INTEREST-TOTAL>                     34,912
<INTEREST-DEPOSIT>                   10,866
<INTEREST-EXPENSE>                   14,959
<INTEREST-INCOME-NET>                19,953
<LOAN-LOSSES>                           830
<SECURITIES-GAINS>                      (85)
<EXPENSE-OTHER>                      14,148
<INCOME-PRETAX>                      11,493
<INCOME-PRE-EXTRAORDINARY>           11,493
<EXTRAORDINARY>                           0
<CHANGES>                                 0
<NET-INCOME>                          7,496
<EPS-PRIMARY>                          2.30
<EPS-DILUTED>                             0
<YIELD-ACTUAL>                            3
<LOANS-NON>                           1,763
<LOANS-PAST>                             55
<LOANS-TROUBLED>                          0
<LOANS-PROBLEM>                           0
<ALLOWANCE-OPEN>                      4,779
<CHARGE-OFFS>                         1,053
<RECOVERIES>                            373
<ALLOWANCE-CLOSE>                     4,929
<ALLOWANCE-DOMESTIC>                  4,929
<ALLOWANCE-FOREIGN>                       0
<ALLOWANCE-UNALLOCATED>               1,178