<TABLE> <S> <C>

<ARTICLE>                                           9
<LEGEND>
The Schedule contains summary financial information extracted from the financial
statements for the six months ended June 30, 2000 and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<CIK>                                      0001063942
<NAME>                       GOUVERNEUR BANCORP, INC.
<MULTIPLIER>                                     1000
<CURRENCY>                                        USD

<S>                             <C>
<PERIOD-TYPE>                              9-MOS
<FISCAL-YEAR-END>                         SEP-30-2000
<PERIOD-START>                            OCT-01-1999
<PERIOD-END>                              JUN-30-2000
<EXCHANGE-RATE>                                 1
         <CASH>                            1,692
         <INT-BEARING-DEPOSITS>              806
         <FED-FUNDS-SOLD>                  1,000
         <TRADING-ASSETS>                      0
         <INVESTMENTS-HELD-FOR-SALE>      11,485
         <INVESTMENTS-CARRYING>            4,941
         <INVESTMENTS-MARKET>              4,845
         <LOANS>                          53,133
         <ALLOWANCE>                         637
         <TOTAL-ASSETS>                   74,545
         <DEPOSITS>                       45,599
         <SHORT-TERM>                     11,800
         <LIABILITIES-OTHER>               1,337
         <LONG-TERM>                           0
                          0
                                    0
         <COMMON>                             24
         <OTHER-SE>                       15,785
         <TOTAL-LIABILITIES-AND-EQUITY>   74,545
         <INTEREST-LOAN>                   3,261
         <INTEREST-INVEST>                   797
         <INTEREST-OTHER>                     68
         <INTEREST-TOTAL>                  4,126
         <INTEREST-DEPOSIT>                1,380
         <INTEREST-EXPENSE>                1,864
         <INTEREST-INCOME-NET>             2,262
         <LOAN-LOSSES>                        49
         <SECURITIES-GAINS>                   67
         <EXPENSE-OTHER>                   1,528
         <INCOME-PRETAX>                     935
         <INCOME-PRE-EXTRAORDINARY>          935
         <EXTRAORDINARY>                       0
         <CHANGES>                             0
         <NET-INCOME>                        570
         <EPS-BASIC>                         .26
         <EPS-DILUTED>                       .25
         <YIELD-ACTUAL>                     4.37
         <LOANS-NON>                         195
         <LOANS-PAST>                          0
         <LOANS-TROUBLED>                      0
         <LOANS-PROBLEM>                       0
         <ALLOWANCE-OPEN>                    620
         <CHARGE-OFFS>                        78
         <RECOVERIES>                         46
         <ALLOWANCE-CLOSE>                   637
         <ALLOWANCE-DOMESTIC>                637
         <ALLOWANCE-FOREIGN>                   0
         <ALLOWANCE-UNALLOCATED>               0


</TABLE>



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