<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE DECEMBER
31, 1998 FORM 10-QSB OF WASHINGTON BANCORP AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-1999
<PERIOD-END>                               DEC-31-1998
<CASH>                                           1,812
<INT-BEARING-DEPOSITS>                           1,001
<FED-FUNDS-SOLD>                                 2,810
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,672
<INVESTMENTS-CARRYING>                           1,130
<INVESTMENTS-MARKET>                             1,130
<LOANS>                                         68,924
<ALLOWANCE>                                        440
<TOTAL-ASSETS>                                 102,390
<DEPOSITS>                                      75,785
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                764
<LONG-TERM>                                     15,082
<PREFERRED-MANDATORY>                              145
<PREFERRED>                                          0
<COMMON>                                             7
<OTHER-SE>                                      10,607
<TOTAL-LIABILITIES-AND-EQUITY>                 102,390
<INTEREST-LOAN>                                  2,987
<INTEREST-INVEST>                                  728
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 3,714
<INTEREST-DEPOSIT>                               1,706
<INTEREST-EXPENSE>                               2,162
<INTEREST-INCOME-NET>                            1,553
<LOAN-LOSSES>                                       56
<SECURITIES-GAINS>                                  11
<EXPENSE-OTHER>                                  1,098
<INCOME-PRETAX>                                    590
<INCOME-PRE-EXTRAORDINARY>                         368
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       368
<EPS-PRIMARY>                                      .65
<EPS-DILUTED>                                      .63
<YIELD-ACTUAL>                                    3.31
<LOANS-NON>                                          0
<LOANS-PAST>                                       463
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   388
<CHARGE-OFFS>                                       10
<RECOVERIES>                                        10
<ALLOWANCE-CLOSE>                                  444
<ALLOWANCE-DOMESTIC>                               444
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0