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Previous: OSWEGO COUNTY BANCORP INC, 10QSB, 2000-08-14 |
Next: DIGITAL MUSIC CREATIONS INC, NT 10-Q, 2000-08-14 |
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
company's financial statements for the period indicated and is qualified in its
entirety by reference to such financial statements.
</LEGEND>
<CIK> 0001075954
<NAME> Oswego County Bancorp, Inc.
<MULTIPLIER> 1000
<CURRENCY> U.S. Dollars
<S> <C>
<PERIOD-TYPE> 6-MOs
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1.00
<CASH> 5,753
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 20,824
<INVESTMENTS-CARRYING> 15,695
<INVESTMENTS-MARKET> 15,217
<LOANS> 79,973
<ALLOWANCE> (1,070)
<TOTAL-ASSETS> 131,512
<DEPOSITS> 105,100
<SHORT-TERM> 450
<LIABILITIES-OTHER> 2,704
<LONG-TERM> 9,000
0
0
<COMMON> 9
<OTHER-SE> 14,249
<TOTAL-LIABILITIES-AND-EQUITY> 131,512
<INTEREST-LOAN> 3,146
<INTEREST-INVEST> 1,162
<INTEREST-OTHER> 45
<INTEREST-TOTAL> 4,353
<INTEREST-DEPOSIT> 1,654
<INTEREST-EXPENSE> 1,869
<INTEREST-INCOME-NET> 2,484
<LOAN-LOSSES> 30
<SECURITIES-GAINS> (13)
<EXPENSE-OTHER> 2,764
<INCOME-PRETAX> 315
<INCOME-PRE-EXTRAORDINARY> 226
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 226
<EPS-BASIC> 0.26
<EPS-DILUTED> 0.26
<YIELD-ACTUAL> 4.36
<LOANS-NON> 1,162
<LOANS-PAST> 0
<LOANS-TROUBLED> 250
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,069
<CHARGE-OFFS> 66
<RECOVERIES> 37
<ALLOWANCE-CLOSE> 1,070
<ALLOWANCE-DOMESTIC> 1,070
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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