<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.
<MULTIPLIER>                  1000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          10,473
<INT-BEARING-DEPOSITS>                             394
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    177,999
<INVESTMENTS-CARRYING>                           1,132
<INVESTMENTS-MARKET>                             1,128
<LOANS>                                        290,636
<ALLOWANCE>                                      1,800
<TOTAL-ASSETS>                                 506,186
<DEPOSITS>                                     260,400
<SHORT-TERM>                                    15,910
<LIABILITIES-OTHER>                             11,598
<LONG-TERM>                                    142,850
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        63,159
<OTHER-SE>                                      12,269
<TOTAL-LIABILITIES-AND-EQUITY>                 506,186
<INTEREST-LOAN>                                 10,246
<INTEREST-INVEST>                                5,487
<INTEREST-OTHER>                                    12
<INTEREST-TOTAL>                                15,745
<INTEREST-DEPOSIT>                               3,754
<INTEREST-EXPENSE>                               7,209
<INTEREST-INCOME-NET>                            8,536
<LOAN-LOSSES>                                      250
<SECURITIES-GAINS>                                 829
<EXPENSE-OTHER>                                  7,783
<INCOME-PRETAX>                                  2,660
<INCOME-PRE-EXTRAORDINARY>                       2,660
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,519
<EPS-BASIC>                                     0.27
<EPS-DILUTED>                                     0.27
<YIELD-ACTUAL>                                    3.88
<LOANS-NON>                                      1,673
<LOANS-PAST>                                       277
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    526
<ALLOWANCE-OPEN>                                 1,727
<CHARGE-OFFS>                                      209
<RECOVERIES>                                        32
<ALLOWANCE-CLOSE>                                1,800
<ALLOWANCE-DOMESTIC>                             1,800
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>