<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>