<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from the
consolidated balance sheets and the statements of income of Westborough
Financial Services, Inc. and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<CIK>                         0001087843
<NAME>                        WESTBOROUGH FINANCIAL SERVICES, INC.

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              SEP-30-1999
<PERIOD-START>                                 OCT-01-1998
<PERIOD-END>                                   SEP-30-1999
<CASH>                                           4,157
<INT-BEARING-DEPOSITS>                             373
<FED-FUNDS-SOLD>                                 4,632
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     64,457
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         92,971
<ALLOWANCE>                                      (879)
<TOTAL-ASSETS>                                 174,594
<DEPOSITS>                                     150,111
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                                106
<LONG-TERM>                                      4,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                      19,281
<TOTAL-LIABILITIES-AND-EQUITY>                 174,594
<INTEREST-LOAN>                                  6,422
<INTEREST-INVEST>                                3,759
<INTEREST-OTHER>                                   425
<INTEREST-TOTAL>                                10,606
<INTEREST-DEPOSIT>                               4,809
<INTEREST-EXPENSE>                               4,976
<INTEREST-INCOME-NET>                            5,630
<LOAN-LOSSES>                                       45
<SECURITIES-GAINS>                                 558
<EXPENSE-OTHER>                                  4,663
<INCOME-PRETAX>                                  2,169
<INCOME-PRE-EXTRAORDINARY>                       2,169
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,473
<EPS-BASIC>                                        0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    6.67
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    949
<ALLOWANCE-OPEN>                                   827
<CHARGE-OFFS>                                      (6)
<RECOVERIES>                                        13
<ALLOWANCE-CLOSE>                                  879
<ALLOWANCE-DOMESTIC>                               664
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            215



</TABLE>