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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
(Replace this text with the legend)
</LEGEND>
<CIK> 0001057007
<NAME> Hudson River Bancorp, Inc.
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> MAR-31-2000
<PERIOD-START> JUL-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 19,164
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 231,925
<INVESTMENTS-CARRYING> 14,666
<INVESTMENTS-MARKET> 14,652
<LOANS> 857,631
<ALLOWANCE> 21,045
<TOTAL-ASSETS> 1,173,750
<DEPOSITS> 750,717
<SHORT-TERM> 166,635
<LIABILITIES-OTHER> 22,294
<LONG-TERM> 30,600
0
0
<COMMON> 179
<OTHER-SE> 203,325
<TOTAL-LIABILITIES-AND-EQUITY> 1,173,750
<INTEREST-LOAN> 36,389
<INTEREST-INVEST> 8,209
<INTEREST-OTHER> 317
<INTEREST-TOTAL> 44,915
<INTEREST-DEPOSIT> 14,094
<INTEREST-EXPENSE> 19,930
<INTEREST-INCOME-NET> 24,985
<LOAN-LOSSES> 2,700
<SECURITIES-GAINS> 33
<EXPENSE-OTHER> 15,286
<INCOME-PRETAX> 8,527
<INCOME-PRE-EXTRAORDINARY> 8,527
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,388
<EPS-BASIC> .39
<EPS-DILUTED> .39
<YIELD-ACTUAL> 4.58
<LOANS-NON> 12,732
<LOANS-PAST> 48
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 10,499
<ALLOWANCE-OPEN> 19,608
<CHARGE-OFFS> 1,716
<RECOVERIES> 453
<ALLOWANCE-CLOSE> 21,045
<ALLOWANCE-DOMESTIC> 18,266
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,779
</TABLE>
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