<ARTICLE>                                            9
<CIK>                                       0001063918
<NAME>                       CNY FINANCIAL CORPORATION
<MULTIPLIER>                                     1,000
<CURRENCY>                                         USD

                                                     
<PERIOD-TYPE>                                    9-MOS           9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999     DEC-31-1998
<PERIOD-START>                             JAN-01-1999     JAN-01-1998
<PERIOD-END>                               SEP-30-1999     SEP-30-1998
<EXCHANGE-RATE>                                      1               1
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<INT-BEARING-DEPOSITS>                             134          12,332
<FED-FUNDS-SOLD>                                     0          15,300
<TRADING-ASSETS>                                     0               0
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<ALLOWANCE>                                      2,445           2,407
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<SHORT-TERM>                                    11,200               0
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<LONG-TERM>                                      9,000           1,000
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<PREFERRED>                                          0               0
<COMMON>                                            54               0
<OTHER-SE>                                      75,243          32,780
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<INTEREST-LOAN>                                  9,835          10,057
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<INTEREST-TOTAL>                                14,751          13,090
<INTEREST-DEPOSIT>                               5,290           6,066
<INTEREST-EXPENSE>                               5,580           6,077
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<LOAN-LOSSES>                                      100             250
<SECURITIES-GAINS>                                  19              36
<EXPENSE-OTHER>                                  5,784           5,291
<INCOME-PRETAX>                                  4,079           2,812
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<EXTRAORDINARY>                                      0               0
<CHANGES>                                            0               0
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<EPS-BASIC>                                       0.52               0
<EPS-DILUTED>                                     0.52               0
<YIELD-ACTUAL>                                    4.51            4.20
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<LOANS-PAST>                                        10              16
<LOANS-TROUBLED>                                     0               0
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<ALLOWANCE-FOREIGN>                                  0               0
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