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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 SEPTEMBER 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> 9-mos
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 14110
<INT-BEARING-DEPOSITS> 1281
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 203442
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 467155
<ALLOWANCE> 5689
<TOTAL-ASSETS> 711589
<DEPOSITS> 476639
<SHORT-TERM> 18600
<LIABILITIES-OTHER> 6559
<LONG-TERM> 130481
0
0
<COMMON> 54
<OTHER-SE> 79256
<TOTAL-LIABILITIES-AND-EQUITY> 711589
<INTEREST-LOAN> 26070
<INTEREST-INVEST> 10718
<INTEREST-OTHER> 565
<INTEREST-TOTAL> 37353
<INTEREST-DEPOSIT> 13762
<INTEREST-EXPENSE> 21188
<INTEREST-INCOME-NET> 16165
<LOAN-LOSSES> 360
<SECURITIES-GAINS> (102)
<EXPENSE-OTHER> 12309
<INCOME-PRETAX> 4762
<INCOME-PRE-EXTRAORDINARY> 2817
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2817
<EPS-BASIC> 0.61
<EPS-DILUTED> 0.60
<YIELD-ACTUAL> 3.10
<LOANS-NON> 2154
<LOANS-PAST> 451
<LOANS-TROUBLED> 547
<LOANS-PROBLEM> 920
<ALLOWANCE-OPEN> 5509
<CHARGE-OFFS> 252
<RECOVERIES> 72
<ALLOWANCE-CLOSE> 5689
<ALLOWANCE-DOMESTIC> 5689
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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