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<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 0001046188
<NAME> Pathfinder Bancorp, Inc. Financial Data Schedule
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 3,266
<INT-BEARING-DEPOSITS> 125
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 64,827
<INVESTMENTS-CARRYING> 136
<INVESTMENTS-MARKET> 136
<LOANS> 144,857
<ALLOWANCE> 1,245
<TOTAL-ASSETS> 228,015
<DEPOSITS> 161,792
<SHORT-TERM> 27,857
<LIABILITIES-OTHER> 1,844
<LONG-TERM> 16,310
0
0
<COMMON> 288
<OTHER-SE> 19,924
<TOTAL-LIABILITIES-AND-EQUITY> 228,015
<INTEREST-LOAN> 8,489
<INTEREST-INVEST> 3,264
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 11,753
<INTEREST-DEPOSIT> 4,218
<INTEREST-EXPENSE> 6,161
<INTEREST-INCOME-NET> 5,592
<LOAN-LOSSES> 193
<SECURITIES-GAINS> (209)
<EXPENSE-OTHER> 5,991
<INCOME-PRETAX> 14
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (75)
<EPS-BASIC> (.03)
<EPS-DILUTED> (.03)
<YIELD-ACTUAL> 7.76
<LOANS-NON> 1,862
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,150
<CHARGE-OFFS> 107
<RECOVERIES> 9
<ALLOWANCE-CLOSE> 1,245
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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