<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