<ARTICLE> 9 <LEGEND> This schedule contains summary financial information extracted from the consolidated balance sheets and the statements of income of Westborough Savings Bank and is qualified in its entirety by reference to such financial statements. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> SEP-30-1999 <PERIOD-END> DEC-31-1999 <CASH> 5,817 <INT-BEARING-DEPOSITS> 357 <FED-FUNDS-SOLD> 5,859 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 67,451 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 93,898 <ALLOWANCE> (879) <TOTAL-ASSETS> 181,672 <DEPOSITS> 154,778 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,051 <LONG-TERM> 4,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 18,976 <TOTAL-LIABILITIES-AND-EQUITY> 181,672 <INTEREST-LOAN> 1,699 <INTEREST-INVEST> 998 <INTEREST-OTHER> 127 <INTEREST-TOTAL> 2,824 <INTEREST-DEPOSIT> 1,255 <INTEREST-EXPENSE> 1,307 <INTEREST-INCOME-NET> 1,517 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 158 <EXPENSE-OTHER> 308 <INCOME-PRETAX> 520 <INCOME-PRE-EXTRAORDINARY> 520 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 369 <EPS-BASIC> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 6.8 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 939 <ALLOWANCE-OPEN> 879 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 879 <ALLOWANCE-DOMESTIC> 703 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 176