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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS FINANCIAL DATA SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE FORM 10-Q FOR THE QUARTER ENDED JUNE 30, 2000 OF AMBANC HOLDING CO.,
INC. AND ITS SUBSIDIARIES AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-mos
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 12235
<INT-BEARING-DEPOSITS> 1337
<FED-FUNDS-SOLD> 4500
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 205066
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 466125
<ALLOWANCE> 5574
<TOTAL-ASSETS> 716261
<DEPOSITS> 475021
<SHORT-TERM> 30000
<LIABILITIES-OTHER> 7830
<LONG-TERM> 127089
0
0
<COMMON> 54
<OTHER-SE> 76267
<TOTAL-LIABILITIES-AND-EQUITY> 716261
<INTEREST-LOAN> 17389
<INTEREST-INVEST> 7225
<INTEREST-OTHER> 366
<INTEREST-TOTAL> 24980
<INTEREST-DEPOSIT> 8834
<INTEREST-EXPENSE> 14018
<INTEREST-INCOME-NET> 10962
<LOAN-LOSSES> 240
<SECURITIES-GAINS> (46)
<EXPENSE-OTHER> 8313
<INCOME-PRETAX> 3274
<INCOME-PRE-EXTRAORDINARY> 1913
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1913
<EPS-BASIC> 0.41
<EPS-DILUTED> 0.41
<YIELD-ACTUAL> 3.15
<LOANS-NON> 2042
<LOANS-PAST> 173
<LOANS-TROUBLED> 553
<LOANS-PROBLEM> 1649
<ALLOWANCE-OPEN> 5509
<CHARGE-OFFS> 193
<RECOVERIES> 18
<ALLOWANCE-CLOSE> 5574
<ALLOWANCE-DOMESTIC> 5574
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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