HUDSON VALLEY HOLDING CORP
10-Q, EX-27.2, 2000-11-14
STATE COMMERCIAL BANKS
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<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM UNAUDITED
CONSOLIDATED FINANCIAL STATEMENTS AT SEPTEMBER 30, 1999 AND IS QUALIFED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>                     <C>
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-START>                             JUL-01-1999             JAN-01-1999
<PERIOD-END>                               SEP-30-1999             SEP-30-1999
<CASH>                                          26,041                  26,041
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                16,500                  16,500
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    648,104                 648,104
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                        391,634                 391,634
<ALLOWANCE>                                      3,761                   3,761
<TOTAL-ASSETS>                               1,119,920               1,119,920
<DEPOSITS>                                     806,577                 806,577
<SHORT-TERM>                                   133,930                 133,930
<LIABILITIES-OTHER>                             14,857                  14,857
<LONG-TERM>                                     94,249                  94,249
                                0                       0
                                          0                       0
<COMMON>                                           932                     932
<OTHER-SE>                                      69,375                  69,375
<TOTAL-LIABILITIES-AND-EQUITY>               1,119,920               1,119,920
<INTEREST-LOAN>                                  8,298                  22,675
<INTEREST-INVEST>                                9,963                  27,730
<INTEREST-OTHER>                                   319                     796
<INTEREST-TOTAL>                                18,580                  51,201
<INTEREST-DEPOSIT>                               4,682                  12,631
<INTEREST-EXPENSE>                               7,682                  21,140
<INTEREST-INCOME-NET>                           10,898                  30,061
<LOAN-LOSSES>                                      225                     675
<SECURITIES-GAINS>                                   0                      15
<EXPENSE-OTHER>                                  5,419                  16,929
<INCOME-PRETAX>                                  5,649                  13,604
<INCOME-PRE-EXTRAORDINARY>                       5,649                  13,604
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,265                  10,271
<EPS-BASIC>                                       1.01                    2.45
<EPS-DILUTED>                                     0.99                    2.40
<YIELD-ACTUAL>                                    7.42                    7.28
<LOANS-NON>                                      1,352                   1,352
<LOANS-PAST>                                     2,907                   2,907
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 3,564                   3,103
<CHARGE-OFFS>                                       94                     110
<RECOVERIES>                                        66                      93
<ALLOWANCE-CLOSE>                                3,761                   3,761
<ALLOWANCE-DOMESTIC>                               820                     820
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          2,941                   2,941



</TABLE>


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