<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>                             APR-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          17,053
<INT-BEARING-DEPOSITS>                             433
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    184,831
<INVESTMENTS-CARRYING>                           1,726
<INVESTMENTS-MARKET>                             1,715
<LOANS>                                        402,575
<ALLOWANCE>                                      2,269
<TOTAL-ASSETS>                                 654,409
<DEPOSITS>                                     329,324
<SHORT-TERM>                                    66,791
<LIABILITIES-OTHER>                             12,309
<LONG-TERM>                                    180,860
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        62,953
<OTHER-SE>                                       2,172
<TOTAL-LIABILITIES-AND-EQUITY>                 654,409
<INTEREST-LOAN>                                 14,749
<INTEREST-INVEST>                                7,167
<INTEREST-OTHER>                                    30
<INTEREST-TOTAL>                                21,946
<INTEREST-DEPOSIT>                               4,926
<INTEREST-EXPENSE>                              12,400
<INTEREST-INCOME-NET>                            9,546
<LOAN-LOSSES>                                      390
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  8,347
<INCOME-PRETAX>                                  3,019
<INCOME-PRE-EXTRAORDINARY>                       3,019
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,046
<EPS-BASIC>                                       0.42
<EPS-DILUTED>                                     0.42
<YIELD-ACTUAL>                                    3.31
<LOANS-NON>                                        956
<LOANS-PAST>                                       138
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    215
<ALLOWANCE-OPEN>                                 1,941
<CHARGE-OFFS>                                       68
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                                2,269
<ALLOWANCE-DOMESTIC>                             2,269
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>