<ARTICLE>                                                    9
<LEGEND>
THIS FINANCIAL DATA SCHEDULE  CONTAINS SUMMARY FINANCIAL  INFORMATION  EXTRACTED
FROM THE FORM 10-Q FOR THE QUARTER  ENDED JUNE  30, 2000 OF AMBANC  HOLDING CO.,
INC. AND ITS  SUBSIDIARIES AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.

<MULTIPLIER>                                              1000

                                                                   
<PERIOD-TYPE>                                   6-mos
<FISCAL-YEAR-END>                               DEC-31-2000
<PERIOD-END>                                    JUN-30-2000
<CASH>                                                  12235
<INT-BEARING-DEPOSITS>                                   1337
<FED-FUNDS-SOLD>                                         4500
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                            205066
<INVESTMENTS-CARRYING>                                      0
<INVESTMENTS-MARKET>                                        0
<LOANS>                                                466125
<ALLOWANCE>                                              5574
<TOTAL-ASSETS>                                         716261
<DEPOSITS>                                             475021
<SHORT-TERM>                                            30000
<LIABILITIES-OTHER>                                      7830
<LONG-TERM>                                            127089
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                                   54
<OTHER-SE>                                              76267
<TOTAL-LIABILITIES-AND-EQUITY>                         716261
<INTEREST-LOAN>                                         17389
<INTEREST-INVEST>                                        7225
<INTEREST-OTHER>                                          366
<INTEREST-TOTAL>                                        24980
<INTEREST-DEPOSIT>                                       8834
<INTEREST-EXPENSE>                                      14018
<INTEREST-INCOME-NET>                                   10962
<LOAN-LOSSES>                                             240
<SECURITIES-GAINS>                                        (46)
<EXPENSE-OTHER>                                          8313
<INCOME-PRETAX>                                          3274
<INCOME-PRE-EXTRAORDINARY>                               1913
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                             1913
<EPS-BASIC>                                              0.41
<EPS-DILUTED>                                            0.41
<YIELD-ACTUAL>                                           3.15
<LOANS-NON>                                              2042
<LOANS-PAST>                                              173
<LOANS-TROUBLED>                                          553
<LOANS-PROBLEM>                                          1649
<ALLOWANCE-OPEN>                                         5509
<CHARGE-OFFS>                                             193
<RECOVERIES>                                               18
<ALLOWANCE-CLOSE>                                        5574
<ALLOWANCE-DOMESTIC>                                     5574
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                     0