PROVIDENT BANCORP INC/NY/
10-Q, EX-27.1, 2000-08-10
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          15,400
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    163,245
<INVESTMENTS-CARRYING>                          52,211
<INVESTMENTS-MARKET>                            51,283
<LOANS>                                        583,317
<ALLOWANCE>                                      7,293
<TOTAL-ASSETS>                                 846,258
<DEPOSITS>                                     617,760
<SHORT-TERM>                                   113,611
<LIABILITIES-OTHER>                             12,787
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                           828
<OTHER-SE>                                      86,426
<TOTAL-LIABILITIES-AND-EQUITY>                 846,258
<INTEREST-LOAN>                                 33,245
<INTEREST-INVEST>                                9,980
<INTEREST-OTHER>                                   406
<INTEREST-TOTAL>                                43,631
<INTEREST-DEPOSIT>                              13,680
<INTEREST-EXPENSE>                              19,159
<INTEREST-INCOME-NET>                           24,472
<LOAN-LOSSES>                                    1,350
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 19,374
<INCOME-PRETAX>                                  6,232
<INCOME-PRE-EXTRAORDINARY>                       6,232
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,144
<EPS-BASIC>                                       0.53
<EPS-DILUTED>                                     0.53
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                      4,112
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,202
<CHARGE-OFFS>                                      307
<RECOVERIES>                                        48
<ALLOWANCE-CLOSE>                                7,293
<ALLOWANCE-DOMESTIC>                             7,293
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>


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