<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9

<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Financial Statements of Woronoco Savings Bank for the year ended
December 31, 1999 and is qualified in its entirety by reference to such
financial statements. 
</LEGEND>
<CIK>                 0001072886
<NAME>                WORONOCO BANCORP, INC.
<MULTIPLIER>                               1,000
<CURRENCY>                                 U.S. DOLLARS
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                              JAN-1-1999
<PERIOD-END>                               MAR-31-1999
<EXCHANGE-RATE>                                      1
<CASH>                                          10,024
<INT-BEARING-DEPOSITS>                           2,292
<FED-FUNDS-SOLD>                                 2,180
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    111,849
<INVESTMENTS-CARRYING>                         111,208
<INVESTMENTS-MARKET>                           111,849
<LOANS>                                        290,733
<ALLOWANCE>                                    (2,208)
<TOTAL-ASSETS>                                 433,290
<DEPOSITS>                                     273,186
<SHORT-TERM>                                    67,106
<LIABILITIES-OTHER>                              5,459
<LONG-TERM>                                      1,368
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            60
<OTHER-SE>                                      86,111
<TOTAL-LIABILITIES-AND-EQUITY>                 433,290
<INTEREST-LOAN>                                  5,382
<INTEREST-INVEST>                                1,772
<INTEREST-OTHER>                                    14
<INTEREST-TOTAL>                                 7,474
<INTEREST-DEPOSIT>                               2,386
<INTEREST-EXPENSE>                               3,733
<INTEREST-INCOME-NET>                            3,741
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                 448
<EXPENSE-OTHER>                                  7,284
<INCOME-PRETAX>                                (2,684)
<INCOME-PRE-EXTRAORDINARY>                     (2,684)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (1,648)
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    6.75
<LOANS-NON>                                        210
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   765
<LOANS-PROBLEM>                                  3,200
<ALLOWANCE-OPEN>                                 2,166
<CHARGE-OFFS>                                       25
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                2,208
<ALLOWANCE-DOMESTIC>                             2,208
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        
                                           

</TABLE>