<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-31-1998
<PERIOD-END>                               FEB-28-1998
<CASH>                                          10,739
<INT-BEARING-DEPOSITS>                             670
<FED-FUNDS-SOLD>                                   465
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    154,403
<INVESTMENTS-CARRYING>                          10,379
<INVESTMENTS-MARKET>                            10,266
<LOANS>                                        182,713
<ALLOWANCE>                                      1,446
<TOTAL-ASSETS>                                 370,842
<DEPOSITS>                                     212,392
<SHORT-TERM>                                    27,500
<LIABILITIES-OTHER>                             10,210
<LONG-TERM>                                     35,250
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        63,429
<OTHER-SE>                                      22,061
<TOTAL-LIABILITIES-AND-EQUITY>                 370,843
<INTEREST-LOAN>                                 10,005
<INTEREST-INVEST>                                6,529
<INTEREST-OTHER>                                   197
<INTEREST-TOTAL>                                16,731
<INTEREST-DEPOSIT>                               5,527
<INTEREST-EXPENSE>                               7,128
<INTEREST-INCOME-NET>                            9,135
<LOAN-LOSSES>                                      468
<SECURITIES-GAINS>                                 387
<EXPENSE-OTHER>                                 10,192
<INCOME-PRETAX>                                  1,097
<INCOME-PRE-EXTRAORDINARY>                       1,097
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       632
<EPS-PRIMARY>                                    (0.1)
<EPS-DILUTED>                                    (0.1)
<YIELD-ACTUAL>                                    4.46
<LOANS-NON>                                      1,434
<LOANS-PAST>                                        47
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    261
<ALLOWANCE-OPEN>                                 1,232
<CHARGE-OFFS>                                      261
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                1,446
<ALLOWANCE-DOMESTIC>                             1,446
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>