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

<ARTICLE>                       9
<MULTIPLIER>            1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                            MAR-31-2001
<PERIOD-END>                                 JUN-30-2000
<CASH>                                 15,481
<INT-BEARING-DEPOSITS>                      0
<FED-FUNDS-SOLD>                            0
<TRADING-ASSETS>                            0
<INVESTMENTS-HELD-FOR-SALE>           232,583
<INVESTMENTS-CARRYING>                 14,222
<INVESTMENTS-MARKET>                   14,170
<LOANS>                               843,025
<ALLOWANCE>                            20,524
<TOTAL-ASSETS>                      1,156,187
<DEPOSITS>                            745,032
<SHORT-TERM>                          151,824
<LIABILITIES-OTHER>                    28,633
<LONG-TERM>                            30,600
                       0
                                 0
<COMMON>                                  179
<OTHER-SE>                            199,919
<TOTAL-LIABILITIES-AND-EQUITY>      1,156,187
<INTEREST-LOAN>                        17,847
<INTEREST-INVEST>                       4,294
<INTEREST-OTHER>                            1
<INTEREST-TOTAL>                       22,142
<INTEREST-DEPOSIT>                      6,967
<INTEREST-EXPENSE>                      9,673
<INTEREST-INCOME-NET>                  12,469
<LOAN-LOSSES>                           1,425
<SECURITIES-GAINS>                          0
<EXPENSE-OTHER>                         7,580
<INCOME-PRETAX>                         4,158
<INCOME-PRE-EXTRAORDINARY>              4,158
<EXTRAORDINARY>                             0
<CHANGES>                                   0
<NET-INCOME>                            2,643
<EPS-BASIC>                              0.19
<EPS-DILUTED>                            0.19
<YIELD-ACTUAL>                           4.62
<LOANS-NON>                            12,967
<LOANS-PAST>                                0
<LOANS-TROUBLED>                            0
<LOANS-PROBLEM>                         9,044
<ALLOWANCE-OPEN>                       19,608
<CHARGE-OFFS>                             755
<RECOVERIES>                              246
<ALLOWANCE-CLOSE>                      20,524
<ALLOWANCE-DOMESTIC>                   15,814
<ALLOWANCE-FOREIGN>                         0
<ALLOWANCE-UNALLOCATED>                 4,199


</TABLE>


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