<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENT OF WESTBOROUGH SAVINGS BANK CONTAINED IN THE
PROSPECTUS BEGINNING ON PAGE F-1.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 9-MOS 9-MOS YEAR YEAR YEAR
<FISCAL-YEAR-END> SEP-30-1999 SEP-30-1998 SEP-30-1998 SEP-30-1997 SEP-30-1996
<PERIOD-START> OCT-01-1998 OCT-01-1997 OCT-01-1997 JUN-01-1996 OCT-01-1995
<PERIOD-END> JUN-30-1999 JUN-30-1998 SEP-30-1998 SEP-30-1997 SEP-30-1996
<CASH> 2,511 0 2,698 2,884 0
<INT-BEARING-DEPOSITS> 5,157 0 3,084 366 0
<FED-FUNDS-SOLD> 5,385 0 6,659 4,660 0
<TRADING-ASSETS> 0 0 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 63,259 0 60,107 61,654 0
<INVESTMENTS-CARRYING> 0 0 0 0 0
<INVESTMENTS-MARKET> 0 0 0 0 0
<LOANS> 90,297 0 83,175 71,366 0
<ALLOWANCE> 869 0 827 786 0
<TOTAL-ASSETS> 172,113 0 158,523 143,896 0
<DEPOSITS> 147,135 0 135,962 125,170 0
<SHORT-TERM> 4,000 0 2,000 0 0
<LIABILITIES-OTHER> 546 0 16 36 0
<LONG-TERM> 0 0 0 0 0
<PREFERRED-MANDATORY> 0 0 0 0 0
<PREFERRED> 0 0 0 0 0
<COMMON> 0 0 0 0 0
<OTHER-SE> 19,448 0 19,367 17,447 0
<TOTAL-LIABILITIES-AND-EQUITY> 172,113 0 158,523 143,896 0
<INTEREST-LOAN> 4,742 4,329 5,884 5,242 4,868
<INTEREST-INVEST> 2,811 2,887 3,743 3,953 3,578
<INTEREST-OTHER> 323 227 306 266 265
<INTEREST-TOTAL> 7,876 7,443 9,933 9,461 8,711
<INTEREST-DEPOSIT> 3,573 3,392 4,555 4,285 4,037
<INTEREST-EXPENSE> 3,688 3,392 4,557 4,426 4,037
<INTEREST-INCOME-NET> 4,188 4,051 5,376 5,035 4,674
<LOAN-LOSSES> 35 30 39 96 105
<SECURITIES-GAINS> 534 88 90 337 119
<EXPENSE-OTHER> 3,337 2,688 3,657 3,563 3,145
<INCOME-PRETAX> 1,799 1,634 2,063 1,984 1,878
<INCOME-PRE-EXTRAORDINARY> 1,799 1,634 2,063 1,984 1,878
<EXTRAORDINARY> 0 0 0 0 0
<CHANGES> 0 0 0 0 0
<NET-INCOME> 1,204 1,060 1,313 1,308 1,183
<EPS-BASIC> 0 0 0 0 0
<EPS-DILUTED> 0 0 0 0 0
<YIELD-ACTUAL> 3.55<F1> 3.81 3.76<F1> 3.74 3.74
<LOANS-NON> 0 0 0 0 0
<LOANS-PAST> 0<F1> 0<F1> 55<F1> 0<F1> 0<F1
>
<LOANS-TROUBLED> 0 0 0 0 0
<LOANS-PROBLEM> 0<F2> 0<F2> 269<F2> 352<F2> 0<F2
>
<ALLOWANCE-OPEN> 827 786 786 690 585
<CHARGE-OFFS> 6 0 0 2 8
<RECOVERIES> 13 2 2 2 8
<ALLOWANCE-CLOSE> 869 818 827 786 690
<ALLOWANCE-DOMESTIC> 869 818 827 786 690
<ALLOWANCE-FOREIGN> 0 0 0 0 0
<ALLOWANCE-UNALLOCATED> 218<F1> 134 207 178 103
<FN>
<F1>Information obtained from Management's Discussion and Analysis
<F2>Amounts represent impaired loans and dates indicated.
</FN>