ALLIANCE FINANCIAL CORP /NY/
10-Q, EX-27, 2000-08-14
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE>                       9
<CIK>                         0000796317
<NAME>                        Alliance Financial Corporation
<MULTIPLIER>                                    1,000
<CURRENCY>                                      U.S.

<S>                             <C>
<PERIOD-TYPE>                   Year
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<EXCHANGE-RATE>                                      1,000
<CASH>                                              19,961
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        204,283
<INVESTMENTS-CARRYING>                              10,955
<INVESTMENTS-MARKET>                                11,106
<LOANS>                                            305,739
<ALLOWANCE>                                          3,481
<TOTAL-ASSETS>                                     562,917
<DEPOSITS>                                         434,950
<SHORT-TERM>                                        69,162
<LIABILITIES-OTHER>                                  4,077
<LONG-TERM>                                           5000
                                    0
                                              0
<COMMON>                                             7,282
<OTHER-SE>                                          42,446
<TOTAL-LIABILITIES-AND-EQUITY>                     562,917
<INTEREST-LOAN>                                     12,566
<INTEREST-INVEST>                                    6,397
<INTEREST-OTHER>                                       233
<INTEREST-TOTAL>                                    19,196
<INTEREST-DEPOSIT>                                   7,921
<INTEREST-EXPENSE>                                   8,803
<INTEREST-INCOME-NET>                               10,393
<LOAN-LOSSES>                                          550
<SECURITIES-GAINS>                                     187
<EXPENSE-OTHER>                                      8,867
<INCOME-PRETAX>                                      3,728
<INCOME-PRE-EXTRAORDINARY>                           3,728
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,740
<EPS-BASIC>                                           0.78
<EPS-DILUTED>                                         0.78
<YIELD-ACTUAL>                                        4.32
<LOANS-NON>                                            961
<LOANS-PAST>                                            34
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      1,975
<ALLOWANCE-OPEN>                                     3,412
<CHARGE-OFFS>                                          597
<RECOVERIES>                                           116
<ALLOWANCE-CLOSE>                                    3,481
<ALLOWANCE-DOMESTIC>                                 3,481
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>


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