<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM THE MARCH
31,  1998  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>                                            3-MOS
<FISCAL-YEAR-END>                                  DEC-13-1998
<PERIOD-START>                                     JAN-01-1998
<PERIOD-END>                                       MAR-31-1998
<EXCHANGE-RATE>                                              1
<CASH>                                                  24,391
<INT-BEARING-DEPOSITS>                                       0
<FED-FUNDS-SOLD>                                         1,000
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                            194,447
<INVESTMENTS-CARRYING>                                  37,771
<INVESTMENTS-MARKET>                                    38,669
<LOANS>                                                378,253
<ALLOWANCE>                                              4,991
<TOTAL-ASSETS>                                         647,542
<DEPOSITS>                                             493,329
<SHORT-TERM>                                            77,360
<LIABILITIES-OTHER>                                      8,262
<LONG-TERM>                                             10,000
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                   489
<OTHER-SE>                                              58,102
<TOTAL-LIABILITIES-AND-EQUITY>                         647,542
<INTEREST-LOAN>                                          8,350
<INTEREST-INVEST>                                        3,591
<INTEREST-OTHER>                                            50
<INTEREST-TOTAL>                                        11,991
<INTEREST-DEPOSIT>                                       3,942
<INTEREST-EXPENSE>                                       5,094
<INTEREST-INCOME-NET>                                    6,897
<LOAN-LOSSES>                                              151
<SECURITIES-GAINS>                                         (95)
<EXPENSE-OTHER>                                          5,122
<INCOME-PRETAX>                                          4,161
<INCOME-PRE-EXTRAORDINARY>                               2,685
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             2,685
<EPS-PRIMARY>                                             0.56
<EPS-DILUTED>                                             0.54
<YIELD-ACTUAL>                                               2
<LOANS-NON>                                              1,855
<LOANS-PAST>                                                29
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         4,979
<CHARGE-OFFS>                                              151
<RECOVERIES>                                               235
<ALLOWANCE-CLOSE>                                        4,991
<ALLOWANCE-DOMESTIC>                                     4,991
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                    850