PATHFINDER BANCORP INC
10-Q, EX-27, 2000-08-11
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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<TABLE> <S> <C>


<ARTICLE>                                            9

<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                         4,132
<INT-BEARING-DEPOSITS>                         89
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    64,511
<INVESTMENTS-CARRYING>                         131
<INVESTMENTS-MARKET>                           131
<LOANS>                                        137,656
<ALLOWANCE>                                    1,227
<TOTAL-ASSETS>                                 221,377
<DEPOSITS>                                     156,546
<SHORT-TERM>                                   28,088
<LIABILITIES-OTHER>                            1,053
<LONG-TERM>                                    16,223
                          289
                                    0
<COMMON>                                       0
<OTHER-SE>                                     19,178
<TOTAL-LIABILITIES-AND-EQUITY>                 221,377
<INTEREST-LOAN>                                5,530
<INTEREST-INVEST>                              2,165
<INTEREST-OTHER>                               0
<INTEREST-TOTAL>                               7,695
<INTEREST-DEPOSIT>                             2,715
<INTEREST-EXPENSE>                             3,951
<INTEREST-INCOME-NET>                          3,744
<LOAN-LOSSES>                                  143
<SECURITIES-GAINS>                             (209)
<EXPENSE-OTHER>                                4,278
<INCOME-PRETAX>                                (359)
<INCOME-PRE-EXTRAORDINARY>                     0
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   (333)
<EPS-BASIC>                                    (.13)
<EPS-DILUTED>                                  (.13)
<YIELD-ACTUAL>                                 7.58
<LOANS-NON>                                    1,431
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               1,150
<CHARGE-OFFS>                                  73
<RECOVERIES>                                   7
<ALLOWANCE-CLOSE>                              1,227
<ALLOWANCE-DOMESTIC>                           0
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0



</TABLE>


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