<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>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JUL-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                          21,825
<INT-BEARING-DEPOSITS>                             578
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    158,743
<INVESTMENTS-CARRYING>                           1,726
<INVESTMENTS-MARKET>                             1,729
<LOANS>                                        4180985
<ALLOWANCE>                                      2,426
<TOTAL-ASSETS>                                 644,852
<DEPOSITS>                                     342,709
<SHORT-TERM>                                    16,845
<LIABILITIES-OTHER>                             17,496
<LONG-TERM>                                    196,410
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        62,910
<OTHER-SE>                                       7,234
<TOTAL-LIABILITIES-AND-EQUITY>                  44,852
<INTEREST-LOAN>                                 22,986
<INTEREST-INVEST>                               10,684
<INTEREST-OTHER>                                    47
<INTEREST-TOTAL>                                33,717
<INTEREST-DEPOSIT>                               8,180
<INTEREST-EXPENSE>                              19,441
<INTEREST-INCOME-NET>                           14,276
<LOAN-LOSSES>                                      615
<SECURITIES-GAINS>                             (1,093)
<EXPENSE-OTHER>                                 12,596
<INCOME-PRETAX>                                  5,116
<INCOME-PRE-EXTRAORDINARY>                       5,116
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,419
<EPS-BASIC>                                       0.70
<EPS-DILUTED>                                     0.70
<YIELD-ACTUAL>                                    3.24
<LOANS-NON>                                      1,038
<LOANS-PAST>                                       402
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    184
<ALLOWANCE-OPEN>                                 1,941
<CHARGE-OFFS>                                      139
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                2,426
<ALLOWANCE-DOMESTIC>                             2,426
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>