<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMARY FINANCIAL INFORMATION EXTRACTED FROM THE CONSOLIDATED FINANCIAL STATEMENTS OF WESTBOROUGH SAVINGS BANK AND SUBSIDIARIES AS OF SEPTEMBER 30, 1998 AND 1997 AND FOR EACH OF THE YEARS IN THE THREE-YEAR PERIOD ENDED SEPTEMBER 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS 6-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 OCT-01-1996 OCT-01-1995 <PERIOD-END> MAR-31-1999 MAR-31-1998 SEP-30-1998 SEP-30-1997 SEP-30-1996 <CASH> 3,701 0 2,698 2,884 0 <INT-BEARING-DEPOSITS> 3,758 0 3,084 366 0 <FED-FUNDS-SOLD> 6,122 0 6,659 4,660 0 <TRADING-ASSETS> 0 0 0 0 0 <INVESTMENTS-HELD-FOR-SALE> 63,205 0 59,345 60,937 0 <INVESTMENTS-CARRYING> 0 0 0 0 0 <INVESTMENTS-MARKET> 0 0 0 0 0 <LOANS> 86,352 0 82,348 70,580 0 <ALLOWANCE> 857 807 827 786 690 <TOTAL-ASSETS> 167,531 0 158,523 143,896 0 <DEPOSITS> 142,971 0 135,962 125,170 0 <SHORT-TERM> 0 0 0 0 0 <LIABILITIES-OTHER> 949 0 1,194 1,279 0 <LONG-TERM> 4,000 0 2,000 0 0 <PREFERRED-MANDATORY> 0 0 0 0 0 <PREFERRED> 0 0 0 0 0 <COMMON> 0 0 0 0 0 <OTHER-SE> 19,611 0 19,367 17,447 0 <TOTAL-LIABILITIES-AND-EQUITY> 167,531 0 158,523 143,896 0 <INTEREST-LOAN> 3,124 2,827 5,884 5,242 4,868 <INTEREST-INVEST> 1,853 1,963 3,743 3,953 3,578 <INTEREST-OTHER> 202 162 306 266 265 <INTEREST-TOTAL> 5,179 4,952 9,933 9,461 8,711 <INTEREST-DEPOSIT> 2,374 2,272 4,555 4,285 4,037 <INTEREST-EXPENSE> 2,429 2,272 4,557 4,426 4,037 <INTEREST-INCOME-NET> 2,750 2,680 5,376 5,035 4,674 <LOAN-LOSSES> 25 20 39 96 105 <SECURITIES-GAINS> 290 64 90 337 119 <EXPENSE-OTHER> 2,118 1,728 3,657 3,563 3,145 <INCOME-PRETAX> 1,237 1,127 2,063 1,984 1,878 <INCOME-PRE-EXTRAORDINARY> 0 0 0 0 0 <EXTRAORDINARY> 0 0 0 0 0 <CHANGES> 0 0 0 0 0 <NET-INCOME> 824 714 1,313 1,308 1,183 <EPS-BASIC> 0 0 0 0 0 <EPS-DILUTED> 0 0 0 0 0 <YIELD-ACTUAL> 3.433 0 3.532 3.668 0 <LOANS-NON> 0 0 0 0 0 <LOANS-PAST> 0 0 55 0 0 <LOANS-TROUBLED> 0 0 0 0 0 <LOANS-PROBLEM> 710 0 0 0 0 <ALLOWANCE-OPEN> 827 786 786 690 585 <CHARGE-OFFS> 6 0 0 2 8 <RECOVERIES> 11 1 2 2 8 <ALLOWANCE-CLOSE> 857 807 827 786 690 <ALLOWANCE-DOMESTIC> 857 807 827 786 690 <ALLOWANCE-FOREIGN> 0 0 0 0 0 <ALLOWANCE-UNALLOCATED> 229 259 207 178 103