<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED FROM 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>                       6-MOS
<FISCAL-YEAR-END>             DEC-31-1998
<PERIOD-START>                JAN-01-1998
<PERIOD-END>                  JUN-30-1998
<EXCHANGE-RATE>                         1
<CASH>                             23,626
<INT-BEARING-DEPOSITS>                  0
<FED-FUNDS-SOLD>                        0
<TRADING-ASSETS>                        0
<INVESTMENTS-HELD-FOR-SALE>       195,083
<INVESTMENTS-CARRYING>             36,007
<INVESTMENTS-MARKET>               37,445
<LOANS>                           382,698
<ALLOWANCE>                         5,004
<TOTAL-ASSETS>                    648,789
<DEPOSITS>                        475,054
<SHORT-TERM>                       80,717
<LIABILITIES-OTHER>                 7,489
<LONG-TERM>                        25,000
<PREFERRED-MANDATORY>                   0
<PREFERRED>                             0
<COMMON>                              482
<OTHER-SE>                         60,040
<TOTAL-LIABILITIES-AND-EQUITY>    648,789
<INTEREST-LOAN>                    16,894
<INTEREST-INVEST>                   7,316
<INTEREST-OTHER>                      102
<INTEREST-TOTAL>                   24,312
<INTEREST-DEPOSIT>                  7,982
<INTEREST-EXPENSE>                 10,299
<INTEREST-INCOME-NET>              14,013
<LOAN-LOSSES>                         481
<SECURITIES-GAINS>                    (95)
<EXPENSE-OTHER>                    10,173
<INCOME-PRETAX>                     8,377
<INCOME-PRE-EXTRAORDINARY>          8,377
<EXTRAORDINARY>                         0
<CHANGES>                               0
<NET-INCOME>                        5,404
<EPS-PRIMARY>                        1.12
<EPS-DILUTED>                        1.10
<YIELD-ACTUAL>                          2
<LOANS-NON>                         1,325
<LOANS-PAST>                           59
<LOANS-TROUBLED>                        0
<LOANS-PROBLEM>                         0
<ALLOWANCE-OPEN>                    4,979
<CHARGE-OFFS>                         658
<RECOVERIES>                          202
<ALLOWANCE-CLOSE>                   5,004
<ALLOWANCE-DOMESTIC>                5,004
<ALLOWANCE-FOREIGN>                     0
<ALLOWANCE-UNALLOCATED>             1,851