<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
              This schedule contains summary financial information extracted
from the consolidated condensed statement of financial condition and the
consolidated condensed statement of income and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
<CIK>                         0001046209
<NAME>                        WARWICK COMMUNITY BANCORP, INC.
       
<S>                             <C>
<PERIOD-TYPE>                   7-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JUN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                           9,859
<INT-BEARING-DEPOSITS>                             652
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    149,491
<INVESTMENTS-CARRYING>                           5,999
<INVESTMENTS-MARKET>                             5,967
<LOANS>                                        249,453
<ALLOWANCE>                                      1,727
<TOTAL-ASSETS>                                 445,139
<DEPOSITS>                                     246,886
<SHORT-TERM>                                    25,310
<LIABILITIES-OTHER>                              9,225
<LONG-TERM>                                     79,480
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        63,440
<OTHER-SE>                                      20,797
<TOTAL-LIABILITIES-AND-EQUITY>                 445,139
<INTEREST-LOAN>                                 10,599
<INTEREST-INVEST>                                6,693
<INTEREST-OTHER>                                    19
<INTEREST-TOTAL>                                17,311
<INTEREST-DEPOSIT>                               4,301
<INTEREST-EXPENSE>                               3,259
<INTEREST-INCOME-NET>                            7,560
<LOAN-LOSSES>                                      292
<SECURITIES-GAINS>                                 561
<EXPENSE-OTHER>                                  8,788
<INCOME-PRETAX>                                  2,801
<INCOME-PRE-EXTRAORDINARY>                       2,801
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,647
<EPS-PRIMARY>                                     0.28
<EPS-DILUTED>                                     0.28
<YIELD-ACTUAL>                                    7.45
<LOANS-NON>                                        719
<LOANS-PAST>                                     1,362
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    545
<ALLOWANCE-OPEN>                                 1,513
<CHARGE-OFFS>                                       99
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                                1,727
<ALLOWANCE-DOMESTIC>                             1,727
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>