<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 0001054508
<NAME> PENSECO FINANCIAL SERVICES CORPORATION
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> 12,237
<INT-BEARING-DEPOSITS> 63
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 103,757
<INVESTMENTS-CARRYING> 20,456
<INVESTMENTS-MARKET> 20,392
<LOANS> 307,189
<ALLOWANCE> 3,100
<TOTAL-ASSETS> 459,440
<DEPOSITS> 383,827
<SHORT-TERM> 23,684
<LIABILITIES-OTHER> 3,286
<LONG-TERM> 0
0
0
<COMMON> 21
<OTHER-SE> 48,622
<TOTAL-LIABILITIES-AND-EQUITY> 459,440
<INTEREST-LOAN> 17,457
<INTEREST-INVEST> 4,670
<INTEREST-OTHER> 731
<INTEREST-TOTAL> 22,858
<INTEREST-DEPOSIT> 9,279
<INTEREST-EXPENSE> 9,910
<INTEREST-INCOME-NET> 12,948
<LOAN-LOSSES> 220
<SECURITIES-GAINS> (354)
<EXPENSE-OTHER> 14,624
<INCOME-PRETAX> 4,316
<INCOME-PRE-EXTRAORDINARY> 4,316
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,427
<EPS-BASIC> 1.60
<EPS-DILUTED> 1.60
<YIELD-ACTUAL> 7.10
<LOANS-NON> 1,696
<LOANS-PAST> 339
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,950
<CHARGE-OFFS> 118
<RECOVERIES> 48
<ALLOWANCE-CLOSE> 3,100
<ALLOWANCE-DOMESTIC> 3,100
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>