****SECURITIES AND EXCHANGE COMMISSION****Washington, D.C. 20549****
****FORM 10-Q****
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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | For the quarterly period ended March 31, 2003                                           |
| ORTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from ______________________ to ________________________Commission File Number: 0-23293
**Warwick Community Bancorp, Inc.*(Exact name of registrant as specified in its charter)***Delaware***(State or other jurisdictionof incorporation or organization)***06-1497903***(I.R.S. EmployerIdentification No.)***18 Oakland Avenue, Warwick, New York***(Address of principal executive offices)***10990-0591***(Zip code)***(845) 986-2206***(Registrant's telephone number, including area code)*
            Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or forsuch shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing for the past 90 days.

                        Yes   X  No    

            Indicate by check mark whether the Registrant is an accelerated filer (as defined in Rule 12b-2 of the Act).

YES  X  NO    

            As of May 14, 2003, there were 4,626,673 shares of the registrant's common stock outstanding.
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******FORM 10-QWarwick Community Bancorp, Inc.INDEX**
**PART I -- FINANCIAL INFORMATION**PageNumberItem 1.Financial Statements -- UnauditedConsolidated Statements of Financial Condition atMarch 31, 2003and December 31, 20024Consolidated Statements of Income for the three months ended March 31, 2003 and 20025Consolidated Statements of Changes in Equity forfor the three months ended March 31, 2003 and 20026Consolidated Statements of Cash Flows for the threemonths ended March 31, 2003 and 20027Notes to Unaudited Consolidated Financial Statements8-13Item 2.Management's Discussion and Analysis of FinancialCondition and Results of Operations13-20Item 3.Quantitative and Qualitative Disclosures about Market Risk20Item 4.Controls and Procedures21**PART II -- OTHER INFORMATION**Item 1.Legal Proceedings21Item 2.Changes in Securities21Item 3.Defaults Upon Senior Securities21Item 4.Submission of Matters to a Vote of Security Holders21Item 5.Other Information21Item 6.Exhibits and Reports on Form 8-K21-22Signature Page23Financial Statement Certifications2NEXT PAGEStatements contained in this Form 10-Q which are not historical facts are forward-lookingstatements, as that term is defined in the Private Securities Litigation Reform Act of 1995.Such forward-looking statements are subject to risks and uncertainties which could causeactual results to differ materially from those projected.  Such risks and uncertainties include,but are not limited to, general economic conditions; changes in interest rates, deposit flows,loan demand, real estate values and competition; changes in accounting principles, policiesor guidelines; changes in legislation or regulation; other economic, competitive,governmental, regulatory or technological factors affecting the Company's operations,pricing, products and services; and other risks detailed in documents filed by the Companywith the Securities and Exchange Commission from time to time.  Forward-lookingstatements made by us are based on beliefs, plans, objectives, goals, expectations,anticipations, estimates and intention of management as of the date made and are notguarantees of future performance.  We expressly disclaim any obligation to update or reviseany forward-looking statements based on the occurrence of future events, the receipt of newinformation, or otherwise.3NEXT PAGE
**PART I** -- **FINANCIAL INFORMATION**

**Item 1.    Financial Statements**-- **Unaudited**
**WARWICK COMMUNITY BANCORP, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF FINANCIAL CONDITION(Unaudited)**March 31, 2003December 31, 2002(Dollars in thousands)**ASSETS**Cash on hand and in banks$ 64,646$ 59,667Securities:    Available-for-sale, at fair value289,461208,787Held-to-maturity, at amortized cost (fair value of $2,506 atMarch 31, 2003 and $2,812 at December 31, 2002)2,5042,810        Total securities291,965211,597Real estate loans, net353,153387,677Real estate loans held for sale3,5464,794Consumer loans, net47,09552,115Commercial business loans, net29,53024,619        Total loans433,324469,205Allowance for loan losses(5,013)(4,932)        Total loans, net428,311464,273Accrued interest receivable3,5343,381Federal Home Loan Bank stock10,82511,200Bank premises ∓ equipment, net9,2079,266Other real estate owned, net1,1041,145Bank owned life insurance12,24212,064Goodwill and other intangible assets2,5582,609Other assets6,3626,036        Total assets$ 830,754$ 781,238**LIABILITIES AND STOCKHOLDERS' EQUITY**Liabilities:    Deposits:    NOW and money market$ 152,194$ 116,788    Savings198,873177,031    Certificates of deposit111,962117,253    Non-interest-bearing checking60,08955,604        Total depositor accounts523,118466,675    Mortgage escrow funds2,8683,368    Accrued interest payable1,4931,523    Federal Home Loan Bank advances214,495216,495    Other liabilities11,30912,069        Total liabilities753,283700,130**STOCKHOLDERS' EQUITY**Preferred stock, $.01 par value; 5,000,000 authorized; none    issued----Common stock, $.01 par value; 15,000,000 shares authorized;     6,634,814 and 6,632,814 shares issued as of March 31, 2003 and     December 31, 2002, respectively;4,646,040 and 4,833,407     shares outstanding as of March 31, 2003 and December 31, 2002,     respectively6666Additional paid-in capital64,75364,518Retained earnings49,15547,855Accumulated other comprehensive income, net680585Unallocated ESOP common stock(3,860)(4,069)Unearned RRP common stock(1,365)(1,488)109,429107,467Treasury stock (1,988,774 and 1,799,407 shares at March 31,    2003 and December 31, 2002, respectively)(31,958)(26,359)        Total stockholders' equity77,47181,108        Total liabilities and stockholders' equity$ 830,754$ 781,238*See accompanying Notes to Unaudited Financial Statements.*4NEXT PAGE
**WARWICK COMMUNITY BANCORP, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF INCOME(Unaudited)**
For the Three MonthsEnded March 31,20032002(In thousands, except per share amounts)Interest Income:    Interest on loans$ 7,859$ 9,354    Interest and dividends on securities2,9403,426    Interest on federal funds sold--20    Interest on short-term money market instruments1139        Total interest income10,91212,809Interest Expense:    Time deposits771985    Money market deposits275378    Savings deposits1,108979    Mortgagors' escrow deposits1314    Borrowed funds2,7903,337        Total interest expense4,9575,693        Net interest income5,9557,116Provision for Loan Losses(80)(230)    Net interest income after provision for loan losses5,8756,886Non-Interest Income:    Service and fee income1,4291,131    Gain on securities transactions123242    Net gain on sale of loans13546    Other income198164        Total non-interest income1,8851,583Non-Interest Expense:    Salaries and employee benefits2,6492,628    FDIC insurance2019    Occupancy537539    Data processing333276    Advertising5439    Professional fees193247    Other756733        Total non-interest expense4,5424,481    Income before provision for income taxes3,2183,988Provision for Income Taxes1,2411,536    Net income$ 1,977$ 2,452Weighted Average:    Common shares4,4244,582    Dilutive stock options2301344,6544,716Earnings per Share:    Basic$ 0.45$ 0.54    Diluted$ 0.42$ 0.52
*See accompanying Notes to Unaudited Financial Statements.*
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**WARWICK COMMUNITY BANCORP, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CHANGES IN EQUITY(Unaudited)**
CommonStockAdditionalPaid InCapitalRetainedEarningsAccumulated OtherComprehensiveIncome(Loss), netUnallocatedCommon StockHeld by ESOPUnearnedCommon StockHeld by RRPTreasuryStockComprehensiveIncome(Loss)(In thousands)BALANCE, December 31, 2001$ 66$ 63,681$ 39,739$ (822)$ (4,900)$ (2,001)$ (21,760)    Net Income, January 1, 2002 -     March 31, 2002----2,452--------$ 2,452    Unrealized appreciation on     securities available-for-sale, net------760------760    Comprehensive income(loss)------------$ 3,212    Purchase of treasury stock------------(120)    Allocation of ESOP stock--88----205----    Cash dividends paid----(499)--------    Stock option plan.--21----------    Earned portion of RRP--   ------124--BALANCE, March 31, 2002$ 66$ 63,790$ 41,692$ (62)$ (4,695)$ (1,877)$ (21,880)BALANCE, December 31, 2002$ 66$ 64,518$ 47,855$ 585$ (4,069)$ (1,488)$ (26,359)    Net Income, January 1, 2003 -     March 31, 2003----1,977--------$ 1,977    Unrealized appreciation on     securities available-for-sale, net------95------95    Comprehensive income--------------$ 2,072    Purchase of treasury stock------------(5,603)    Allocation of ESOP stock--212----209----    Cash dividends paid----(677)--------    Stock option plan.--23--------4    Earned portion of RRP----------123--BALANCE, March 31, 2003$ 66$ 64,753$ 49,155$ 680$ (3,860)$ (1,365)$ (31,958)
*See accompanying Notes to Unaudited Financial Statements.*
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**WARWICK COMMUNITY BANCORP, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CASH FLOWS(Unaudited)**
For the Three MonthsEnded March 31,20032002(In thousands)CASH FLOWS FROM OPERATING ACTIVITIESNet income$ 1,977$ 2,452Adjustments to reconcile net income to net cash used in operating activities:    Depreciation205238    Amortization of goodwill5252    Amortization (accretion) of discount on investment securities748(608)    Net (increase) decrease in accrued interest receivable(153)353    Net decrease (increase) in BOLI and other assets507(781)    Provision for loan losses80230    Net gain on sales of loans(135)(46)    Mortgage loans funded(20,303)(4,511)    Mortgage loans sold21,5934,555    Net gain on sales of securities(123)(242)    Net decrease in accrued interest payable(30)(413)    Net decrease in accrued expenses and other liabilities(760)(387)Total reconciliation adjustments1,681(1,560)    Net cash provided by operating activities3,658892CASH FLOWS FROM INVESTING ACTIVITIESProceeds from maturities and calls of securities1,9346,094Purchases of securities(115,182)(11,912)Proceeds from sale of trading securities and securities available-for-sale2,1804,067Principal repayments from mortgage-backed securities30,23213,124Redemption of Federal Home Loan Bank capital stock3752,587Net decrease in loans33,9287,254Purchases of fixed assets, net(166)(54)Net cash (used in) provided by investing activities(46,699)21,160CASH FLOWS FROM FINANCING ACTIVITIESNet increase in deposits56,4439,418Net decrease in escrow deposits(501)(124)Net decrease in borrowed funds(2,000)(39,790)Dividends on common stock(677)(499)Purchase of treasury stock(5,603)(120)Stock options exercised2521ESOP allocation210205Earned portion of RRP.123124    Net cash provided by (used in) financing activities48,020(30,765)    Net increase (decrease) in cash4,979( 8,713)Cash and Cash Equivalents, beginning of year59,66725,766Cash and Cash Equivalents, end of period$ 64,646$ 17,053SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:Cash paid during the year for-    Interest on deposits and borrowed funds$ 4,987$5,280    Income taxes728321
*See accompanying Notes to Unaudited Financial Statements.*
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**WARWICK COMMUNITY BANCORP, INC.NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS**

**1.         SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES**

            Certain information and footnote disclosures normally included in the unaudited consolidated financial statements prepared in accordance with accounting principles generally accepted in the UnitedStates of America have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission. These unaudited condensed consolidated financial statements should beread in conjunction with the consolidated financial statements and notes thereto included in the December 31, 2002 Annual Report on Form 10-K.

            **Basis of Presentation**

            The accompanying unaudited consolidated financial statements include the accounts of Warwick Community Bancorp, Inc. (" Parent Company"), its savings bank subsidiary, The Warwick Savings Bank("Warwick Savings"), and its commercial bank subsidiary, The Towne Center Bank ("Towne Center") and its title business subsidiary, Hardenburgh Abstract Company of Orange County, Inc. ("Hardenburgh").The consolidated financial statements of the Parent Company and its subsidiaries (collectively, the "Company") conform to generally accepted accounting principles and reporting practices followed bythe banking industry. All significant intercompany balances and transactions are eliminated in consolidation.

            The unaudited consolidated financial statements included herein reflect all normal recurring adjustments which are, in the opinion of management, necessary to present a fair statement of theresults for the interim periods presented. The results of operations for the three months ended March 31, 2003 are not necessarily indicative of the results of operations that may be expected for theentire year ending December 31, 2003. Certain information and note disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in theUnited States of America have been condensed or omitted pursuant to the rules and regulations of the U.S. Securities and Exchange Commission ("SEC").

            These unaudited consolidated financial statements should be read in conjunction with the Company's audited consolidated financial statements and notes thereto included in the Company's AnnualReport on Form 10-K for the year ended December 31, 2002, as filed with the SEC on March 31, 2003.

            **Earnings Per Share**

            Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding for the period, adjusted for the unallocated portion of the shares held bythe Warwick Community Bancorp, Inc. Employee Stock Ownership Plan ("ESOP") in accordance with American Institute of Certified Public Accountants ("AICPA") Statement of Position 93-6, "EmployersAccounting for Employee Stock Ownership Plans," and unearned shares held by the Recognition and Retention Plan of Warwick Community Bancorp, Inc. ("RRP"). Diluted earnings per share, which reflectsthe potential dilution that could occur if outstanding stock options were exercised and resulted in the issuance of common stock that then shared in the earnings of the Company, is computed bydividing net income by the weighted average number of common shares and dilutive instruments.
8NEXT PAGE**For the Three Months EndedMarch 31,****2003****2002**(Dollars in thousands)Net income$ 1,977$ 2,452Basic weighted-average common shares outstanding4,4244,582Plus: Dilutive stock options230134Diluted weighted-average common shares outstanding4,6544 ,716Net income per common share:Basic$ 0.45$ 0.54Diluted$ 0.42$ 0.52
            **Stock-Based Compensation**

            At March 31, 2003, the Company has stock-based employee compensation plans. The Company accounts for this plan under the recognition and measurement principles ofAccounting Principles Board Opinion No. 25, "Accounting for Stock Issued to Employees" ("APB No. 25"), and related Interpretations. No stock-based employee compensation cost is reflected in netincome, as all options granted under the plan had an exercise price equal to the market value of the underlying common stock on the date of grant. The following table illustrates the effect on netincome and earnings per share if the Company had applied the fair value recognition provisions of Financial Accounting Standards Board ("FASB") Statement of Financial Accounting Standards ("SFAS")No.123, "Accounting for Stock-Based Compensation," to stock-based employee compensation.
**For the Three Months EndedMarch 31,****2003****2002**(Dollars in thousands)Net income, as reported$ 1,977$2,452Add: Stock-based compensation expenseincluded in reported net income, net ofrelated tax effects7677Deduct: Total stock-based compensationexpense determined under fairvalue based method for all awards, net ofrelated tax effects (235)(237)Pro forma net income$ 1,818$2,292Earnings per share:    Basic-as reported$0.45$0.54    Basic-pro forma$0.41$0.50    Diluted- as reported$0.42$0.52    Diluted-pro forma$0.39$0.49
371,185 options are currently exercisable. The fair value of each option was estimated on the date granted using the Black-Scholes option pricing model. The fair valueof the options granted in 2003 and 2002 was estimated to be $8.86 and $7.25, respectively. The following weighted-average assumptions were used for grants in 2003 and 2002: risk free interest rate of2.90% and 4.49%; expected dividend yield of 1.2%; expected life of five years; and expected volatility of 35.06% and 28.75%.
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            **Comprehensive Income**

            Comprehensive income includes net income and all other changes in equity during a period except those resulting from investments by owners and distributions to owners. Other comprehensive incomeincludes revenues, expenses, gains and losses that, under accounting principles generally accepted in the United States of America, are included in comprehensive income but excluded from net income.Comprehensive income and accumulated other comprehensive income are reported net of related income taxes. Accumulated other comprehensive income for the Company consists solely of unrealized holdinggains or losses on available for sale securities and an adjustment for the minimum pension liability.

            **New Accounting Pronouncements**

            In November 2002, the FASB issued FASB Interpretation No. 45, "Guarantor's Accounting and Disclosure Requirements for Guarantees, Including Indirect Guarantees of Indebtedness of Others" ("FIN45"). FIN 45 addresses disclosures to be made by a guarantor in its financial statements about its obligations under guarantees. The interpretation also requires the recognition, at estimated fairvalue, of a liability by the guarantor at the inception of certain guarantees issued or modified after December 31, 2002. This recognition requirement did not have a material impact on the Company'sconsolidated financial statements.

            FASB Interpretation No.6, "Consolidation of Variable Interest Entities," was issued in January 2003. The Interpretation provides guidance on the identification of entities controlled through meansother than voting rights. The Interpretation specifies how a business enterprise should evaluate its interests in a variable interest entity to determine whether to consolidate that entity. Avariable interest entity must be consolidated by its primary beneficiary if the entity does not effectively disperse risks among the parties involved. Adoption of this interpretation did not have asignificant effect on the Company's consolidated financial statements.
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**2.          Loan Portfolio Composition**

            The following table sets forth the composition of the Company's loan portfolio in dollar amounts and percentage of the portfolio at the dates indicated.
At March 31, 2003At December 31, 2002AmountPercentof TotalAmountPercentof Total(Dollars in thousands)**Real Estate Loans**:One- to four-family$ 198,22745.82%$ 232,04549.53%One-to four-family held for sale3,5460.814,7941.02One-to four-family construction1300.033,4410.73Multi family51,18011.8342,3059.03Commercial real estate98,74622.83101,81921.73Construction and development4,8071.118,0611.72    Total real estate loans356,63682.43392,46583.77Commercial business loans29,4936.8224,5675.24**Consumer loans:**Automobile22,3985.1825,6165.47Home equity23,1765.3624,6955.27Other consumer loans9110.211,1860.25    Total consumer loans46,48510.7551,49410.99    Total loans432,614100.00%468,526100.00%Premiums and deferred loan fees,net710679Allowance for loan losses(5,013)(4,932)    Total loans, net$ 428,311$ 464,27311NEXT PAGE
**3.        Non-Performing Assets**

            The following table sets forth information regarding non-accrual loans, other past due loans and other real estate owned at the dates indicated.
March 31,2003December 31,2002(Dollars in thousands)Non-accruing loans:    One- to four-family$1,970$ 1,279    Commercial real estate338422    Commercial business loans5584    Consumer loans8--Total non-accrual loans2,3711,785Accruing loans delinquent 90 days or more:    Commercial real estate--14    Commercial business loans129141Total129255Total non-performing loans2,5002,040Foreclosed real estate:    One- to four-family168209    Commercial real estate936936Total1,1041,145Total non-performing assets$ 3,604$ 3,185Non-performing loans to total loans0.58%0.44%Total non-performing assets to total assets0.43%0.41%12NEXT PAGE
**4.        Allowance for Loan Losses**

            The following table sets forth the activity in the Company's allowance for loan losses at and for the periods indicated.
Three Months EndedMarch 31,Year EndedDecember 31,200320022002(Dollars in thousands)**Allowance for loan losses:**Balance at beginning of period$ 4,932$ 3,650$ 3,650**Charge-offs**:Commercial business----56Consumer loans91737Total charge-offs91793**Recoveries**:Consumer loans10737Total recoveries10737Provision for loan losses802301,338Balance at end of Period$ 5,013$ 3,870$ 4,932Ratio of net charge-offs during the period toaverage loans outstanding 0.00% 0.00% 0.01%Ratio of allowance for loan losses to total loansat end of period 1.16% 0.75% 1.06%Ratio of allowance for loan losses to non-performing loans 200.48%167.82%241.76%
**Item 2.   Management's Discussion and Analysis of Financial Condition and Results of Operations**

**General**

            Warwick Community Bancorp, Inc. is a bank holding company incorporated in September 1997 under the laws of the State of Delaware and is registered under the Bank Holding Company Act of 1956, asamended ("BHCA"). The Parent Company elected to become a financial holding company under the BHCA in October 2000. The primary business of the Parent Company is the operation of its wholly ownedsubsidiaries, Warwick Savings, Towne Center and Hardenburgh, the Parent Company's title insurance agency subsidiary. Presently, the only significant assets of the Parent Company are the capital stockof Warwick Savings, Towne Center and Hardenburgh, the note evidencing the loan the Parent Company made to the ESOP to allow the ESOP to purchase 8% of the Parent Company's common stock issued in theParent Company's initial public offering, and the investments acquired with the net proceeds of the offering retained by the Parent Company. While the following discussion of financial condition andresults of operations includes the collective results of the Parent Company and its subsidiaries, this discussion reflects primarily Warwick Savings' activities. Unless otherwise disclosed, theinformation presented herein reflects the financial condition and results of operations of the Parent Company and its subsidiaries on a consolidated basis, and as used herein the term "Company"refers to the Parent Company and its subsidiaries collectively.
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**Critical Accounting Policies and Estimates**

            "Management's Discussion and Analysis of Financial Condition and Results of Operation" is based upon the Company's consolidated financial statements which have beenprepared in accordance with accounting principles generally accepted in the United States of America. The preparation of these financial statements requires the Company to make estimates andjudgments that affect the reported amounts of assets, liabilities, revenues and expenses. Note 1 of the Company's Audited Consolidated Financial Statements contained in the Company's Annual Report onForm 10-K for the year ended December 31, 2002 and filed with the SECcontains a summary of the Company's significant accounting policies. Management believes the Company's policy with respect to themethodology for the determination of the allowance for loan losses involves a higher degree of complexity and requires management to make difficult and subjective judgments which often requireassumptions or estimates about highly uncertain matters. Changes in these judgments, assumptions or estimates could materially impact results of operations. This critical policy and its applicationis periodically reviewed with the Board of Directors.

The allowance for loan losses is based upon management's evaluation of the adequacy of the allowance, including an assessment of known and inherent risks in theportfolio, giving consideration to the size and composition of the loan portfolio, actual loan loss experience, level of delinquencies, detailed analysis of individual loans for which fullcollectibility may not be assured, the existence and estimated net realizable value of any underlying collateral and guarantees securing the loans, and current economic and market conditions.Although management uses the best information available, the level of the allowance for loan losses remains an estimate which is subject to significant judgment and short-term change. Variousregulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan losses. Such agencies may require the Company to make additional provisionsfor loan losses based upon information available to them at the time of their examination. Furthermore, the majority of the Company's loans are secured by real estate in the states of New York andNew Jersey. Accordingly, the collectibility of a substantial portion of the carrying value of the Company's loan portfolio is susceptible to changes in local market conditions and may beadversely affected should real estate values decline or the New York and New Jersey areas experience adverse economic shock. Further adjustments to the allowance for loan losses may be necessary dueto economic, operating, regulatory and other conditions beyond the Company's control.

**Financial Condition**

            For the three-month period ended March 31, 2003, total assets of the Company increased $49.5 million from $781.2 million at December 31, 2002 to $830.7 million at March 31, 2003. This increase intotal assets was primarily attributable to an $80.4 million, or 38.0%, increase in securities, which increased from $211.6 million at December 31, 2002 to $292.0 million at March 31, 2003 and the$5.0 million increase in cash and due from banks. Partially offsetting these increases was the $35.9 million, or 7.6%, decrease in total loans, which decreased from $469.2 million at December 31,2002 to $433.3 million at March 31, 2003. The increase in the Company's securities portfolio was the result of the reinvestment of the significant cash flows from loan repayments into investmentsecurities rather than long-term fixed-rate residential loans. The decrease in total loans was attributable to the $38.4 million decrease in one-to four- family real estate loans and the $5.0 milliondecrease in consumer loans, resulting from very high loan prepayments. Partially offsetting these decreases were the increases of $8.9 million and $4.9 million in multi family real estate loans andcommercial business loans, respectively. The allowance for loan losses increased to $5.0 million at March 31, 2003 from $4.9 million at December 31, 2002. Additionally, the Federal Home Loan Bank ofNew York ("FHLBNY") repurchased $375,000 of its capital stock from the Company which reduced the Company's investment in FHLBNY capital stock from $11.2 million at December 31, 2002 to $10.8 millionat March 31, 2003.
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            Deposits increased $56.4 million, or 12.1%, from $466.7 million at December 31, 2002 to $523.1 million at March 31, 2003. This increase was primarily attributable to an increase of $35.4 millionin NOW and money market accounts, an increase in savings accounts of $21.8 million and an increase of $4.5 million in non-interest-bearing checking accounts, which were partially offset by thedecrease in certificates of deposit accounts of $5.3 million. The Company remains a deposit-driven financial institution with emphasis on core deposit accumulation andretention as a basis for sound growth and profitability. The Company believes its record of sustaining core deposit growth is reflective of the Company's retail approach to banking which emphasizesconvenient branch locations, extended hours of operation, quality service and active marketing.

            Borrowed funds, comprised primarily of advances from the FHLBNY, decreased $2.0 million, to $214.5 million at March 31, 2003 from $216.5 million at December 31, 2002. The decrease in borrowingswas funded by the deposit growth detailed above.

            Total stockholders' equity decreased by $3.6 million, or 4.5%, from $81.1 million at December 31, 2002 to $77.5 million at March 31, 2003. The decrease in total stockholders' equity was primarilyattributable to the repurchases of 189,500 shares of the Company's outstanding common stock during the first three months of 2003 at a total cost of $5.6 million. Also contributing to the decrease instockholders' equity was the payment of a quarterly cash dividend to shareholders amounting to $ 676,700, which dividend was declared on January 22, 2003 and paid on February 14, 2003. On April 16,2003, the Company declared a dividend on its common stock of $0.15 per share of common stock. The dividend was paid on May 9, 2003 to stockholders of record on April 28, 2003. The decrease instockholders' equity was partially offset by net income of $2.0 million for the three months ended March 31, 2003 and a decrease in unearned ESOP and RRP common stock which resulted in a $545,000increase in stockholders' equity.

**Analysis of Net Interest Income**

            Net interest income represents the difference between income on interest-earning assets and expense on interest-bearing liabilities. Net interest income depends upon the volume of interest-earningassets and interest-bearing liabilities and the interest rates earned or paid on them.

            *Average Balance Sheets*. The following table sets forth certain information regarding the Company's average statements of financial condition and its statements of income for the threemonths ended March 31, 2003 and 2002 and reflects the average yield on assets and average cost of liabilities for the periods indicated. Such yields and costs were derived by dividing interest incomeor expense by the average balance of assets or liabilities, respectively, for the periods shown. The yields include deferred fees and discounts, which are considered yield adjustments. Averagebalances were computed based on month-end balances. Management believes the use of average monthly balances instead of average daily balances does not have a material effect on the informationpresented.
15NEXT PAGEThree Months Ended March 31,20032002AverageBalanceInterestAverageYield/CostAverageBalance(1)InterestAverageYield/CostAssets:(Dollars in thousands)Interest-earning assets:    One-to four-family loans, net$ 221,791$ 3,8156.88%$ 327,960$5,8687.16%    Multi family loans45,5508957.8614,3582817.83    Commercial real estate loans, net102,3051,8147.0965,4901,2357.54    Construction and development, net6,558975.928,3391286.10    Commercial business loans, net26,6724116.1635,1345466.22    Consumer loans, net49,6308276.6770,9521,2967.31    Mortgage-backed securities200,6492,1364.2695,4451,4946.26    Federal funds sold------5,743201.39    Interest earning accounts at banks44,2061131.021,74092.07    Investment securities60,3738045.33124,0901,9326.23    Total interest-earning assets757,73410,9125.76749,30112,8096.84    Non-interest earning assets43,93444,848    Total assets$ 801,668$ 794,149Liabilities and retained earnings:Interest-bearing liabilities:    Passbook accounts$ 188,8109972.11%$ 141,5158542.41%    Escrow deposits2,379132.192,800142.00    NOW accounts44,7691110.9939,2441251.27    Money market accounts82,0872751.3478,1863781.93    Certificate accounts113,6757712.71113,6569853.47    Total deposits431,7202,1672.01375,4012,3562.51    Borrowed funds216,5562,7905.15278,4473,3374.79    Total interest-bearing liabilities648,2764,9573.06653,8485,6933.48Non-interest bearing liabilities73,92764,503    Total liabilities722,203718,351Retained earnings79,46575,798    Total liabilities and retained       earnings$ 801,668$ 794,149Net interest income/interest rate spread$ 5,9552.70%$ 7,1163.36%Net interest-earning assets/net   interest margin$ 109,4583.14%$ 95,4533.80%Ratio of interest-earning assets to   interest-bearing liabilities116.88%114.60%(1) Certain reclassifications have been made to escrow and non-interest bearing deposits.16NEXT PAGE
            *Rate/Volume Analysis*. The following table presents the extent to which changes in interest rates and changes in the volume of interest-earning assets and interest-bearing liabilities haveaffected the Company's interest income and interest expense during the periods indicated. Information is provided in each category with respect to (i) changes attributable to changes in volume(changes in volume multiplied by prior rate), (ii) changes attributable to changes in rate (changes in rate multiplied by prior volume) and (iii) the net change. The changes attributable to thecombined impact of volume and rate have been allocated proportionately to the changes due to volume and the changes due to rate.
Three Months EndedMarch 31, 2003Compared toThree Months EndedMarch 31, 2002Increase (Decrease) in NetInterest Income Due toVolumeRateNet(In thousands)Interest-earning assets:One-to four-family loans, net$ (1,900)$ (153)$ (2,053)Multi family loans6104614Commercial real estate loans, net694(115)579Construction and development, net(28)(3)(31)Commercial business loans, net(132)(3)(135)Consumer loans, net(389)(80)(469)Mortgage-backed securities1,647(1,005)642Federal funds sold(20)--(20)Interest earning accounts at banks220(116)104Investment securities(992)(136)(1,128)Total(290)(1,607)(1,897)Interest-bearing liabilities:Passbook accounts285(142)218Escrow accounts(2)1(1)NOW accounts18(32)(14)Money market accounts19(122)(103)Certificates of deposit--(213)(213)Borrowed funds(742)195(547)Total(422)(313)(735)Net change in net interest income$ 132$ (1,294)$(1,162)**Comparison of Operating Results for the Three Months Ended March 31, 2003 and 2002**
            *General*. For the three months ended March 31, 2003, the Company recognized net income of $2.0 million, or $0.42 per diluted share, as compared to net income of $2.4 million, or $0.52 perdiluted share, for the three months ended March 31, 2002, which represents a $475,000, or 19.4%, decrease. Net interest income decreased $1.2 million, or 16.3%, for the three months ended March 31,2003 and non-interest expense increased $61,000, or 1.4% during the same period. For the first quarter ended March 31, 2003, annualized return on average assets ("ROAA") and annualized return onaverage equity ("ROAE") were 0.99% and 9.95%, 
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respectively. The ROAA and ROAE for the corresponding quarter of 2002 were 1.24% and 12.94%, respectively.

            *Interest Income*. Interest income amounted to $10.9 million for the three months ended March 31, 2003, as compared to $12.8 million for the three months ended March 31, 2002. This decreaseof $1.9 million, or 14.8%, was primarily the result of the $2.0 million decrease in interest earned on the Company's residential mortgage loan portfolio, the $469,000 decrease in interest earned onconsumer loans and the $486,000 decrease in interest and dividends earned on securities, as compared to the respective amounts earned over the three-month period ended March 31, 2002. These decreaseswere partially offset by the $1.2 million increase in interest earned on commercial real estate loans as compared to the respective amounts earned over the three-month period ended March 31,2002.

            The decrease in interest earned on the Company's one-to four-family mortgage loan portfolio in the first quarter of 2003 resulted primarily from the $106.2 million decrease in the average balanceof one-to four-family mortgage loans over the comparable period in 2002. The decrease in interest earned on consumer loans was primarily the result of the decrease in average balances of $21.3million, or 30.1%. The increase in interest earned on commercial real estate was attributable to the $36.8 million increase in the average balances for the three month period ended March 31, 2003 ascompared to the respective period in 2002.

            *Interest Expense*. Total interest expense for the three-month period ended March 31, 2003 decreased from $5.7 million to $5.0 million, a decrease of $735,000, or 12.9%, as compared to thesame three-month period one year earlier. A $5.6 million decrease in average interest bearing liabilities coupled with a 42 basis point decrease in the cost of funds to 3.06% accounted for thedecrease in interest expense. The cost of funds was influenced by the continued decline in rates. Average borrowed funds decreased $61.9 million, or 22.2% while average deposit balances increased$56.3 million, or 21.5% for the three months ended March 31, 2003.

            *Net Interest Income*. Net interest income for the three months ended March 31, 2003 decreased $1.2 million, or 16.3%, to $5.9 million compared to the three months ended March 31, 2002,primarily as a result of the $106.2 million decrease in the average balance of one-to four-family mortgage loans coupled with a decrease of 108 basis points in the average yield earned on totalinterest earning assets and was only partially offset by the decrease in the cost of interest bearing liabilities. Interest rate spread decreased to 2.70% from 3.36%, and the net interest margin was3.14% and 3.80%, respectively, for the three-month periods ended March 31, 2003 and 2002.

            *Provision for Loan Losses*. The provision for loan losses for the three months ended March 31, 2003 decreased $150,000, or 65.2%, to $80,000 compared to the three months ended March 31,2002. The decrease in the provision was a result of management's assessment of the loan portfolio and its assessment of the local economy and market conditions.

            *Non-Interest Income*. Non-interest income, net, for the three months ended March 31, 2003 and 2002 totaled $1.9 million and $1.6 million, respectively. The increases in service and feeincome, net gain on sale of loans and other income, for the three months ended March 31, 2003 was partially offset by the decrease in the gain on securities transactions. The increase in service andfee income resulted primarily from increased commercial loans fees, fees generated from the sales of mutual funds and tax-deferred annuities and fees attributable to services provided to a growingcustomer base.

            *Non-Interest Expense*. Non-interest expense remained relatively constant at $4.5 million for the three month period ended March 31, 2003 as compared to March 31, 2002. Salaries andemployee benefits expense increased $21,000 for the three months ended March 31, 2003 as compared to the comparable period in 2002. Data processing expense and other expense increased $57,000 and$23,000, respectively, for the three months 
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ended March 31, 2003 as compared to March 31, 2002. Professional fees decreased $54,000 for the three months ended March 31, 2003 as compared to March31,2002.

            *Provision for Income Taxes*. The $295,000 decrease in the provision for income taxes to $1.2 million for the three-month period ended March 31, 2003, as compared to the three-month periodended March 31, 2002, was primarily attributable to the 19.3% decrease in pre-tax income. The applicable tax rates for the first quarter of 2003 and 2002 were 38.56% and 38.52%, respectively.

**Liquidity and Capital Resources**

            Liquidity is managed using a combination of customer deposits, cash and short-term interest-earning assets, mortgage loans held for sale, investment securities held as available for sale andborrowings from the FHLBNY.

            At March 31, 2003, the Company's total approved loan origination commitments outstanding totaled $48.8 million. Certificates of deposit scheduled to mature in one year or less at March 31, 2003totaled $86.3 million. Based on historical experience, management believes that a significant portion of such deposits will remain with the Company.

            At March 31, 2003, the Company had cash and due from banks of $64.6 million and securities available for sale of $289.5 million. Management believes these amounts, together with the Company'sborrowing capabilities, to be more than adequate to meet its short-term cash needs.

**Regulatory Capital Position**

            The Company's primary regulator, the Federal Reserve Board (the "Federal Reserve") which regulates bank holding companies, has issued guidelines classifying and defining bank holding capital intothe following components: (1) Tier I capital, which includes tangible stockholders' equity for common stock and certain perpetual preferred stock, and (2) Tier II capital, which includes a portion ofthe allowance for loan losses and preferred stock that does not qualify as Tier I capital. The risk-based capital guidelines require financial institutions to maintain specific defined credit riskfactors (risk-adjusted assets). As of March 31, 2003 the minimum Tier I and combined Tier I and Tier II capital ratios required by the Federal Reserve for capital adequacy were 4% and 8%,respectively.

            Warwick Savings, Warwick Commercial Bank and Towne Center are subject to minimum regulatory capital requirements imposed by the Federal Deposit Insurance Corporation ("FDIC"), which requirements are,as a general matter, based on the amount and composition of an institution's assets. Insured institutions in the strongest financial and managerial condition, with a rating of 1 (the highestexamination rating of the FDIC under the Uniform Financial Institutions Rating System) are required to maintain Tier 1 capital of not less than 3.0% of total assets (the "leverage capital ratio").For all other banks, the minimum leverage capital ratio is 4.0%, unless a higher leverage capital ratio is warranted by the particular circumstances or risk profile of the institution.
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            The following table shows Warwick Savings' regulatory capital positions and ratios at March 31, 2003.
ActualFor Capital AdequacyPurposesTo Be WellCapitalized UnderPrompt CorrectiveAction ProvisionsAmountPercentAmountPercentAmountPercentTotal Capital   (to risk-weighted assets)$ 63,13915.73%$ 32,1208.00%$40,15010.00%Tier 1 Capital   (to risk-weighted assets)58,56314.59%16,0604.00%24,0906.00%Tier 1 Capital   (to average assets)58,5637.78%30,1264.00%37,6575.00%
            The following table shows the Parent Company's regulatory capital positions and ratios as of March 31, 2003.
ActualFor Capital AdequacyPurposesTo Be WellCapitalized UnderPrompt CorrectiveAction ProvisionsAmountPercentAmountPercentAmountPercentTotal Capital   (to risk-weighted assets)$78,36017.72%$ 35,3858.00%$44,23110.00%Tier 1 Capital   (to risk-weighted assets)73,34716.5817,6934.0026,5396.00Tier 1 Capital(to average assets)73,3479.1831,9644.0039,9565.00
**Item 3.   Quantitative And Qualitative Disclosures About Market Risk**

            Quantitative and qualitative disclosure about market risk is presented at December 31, 2002 in the Company's Annual Report on Form 10-K, which was filed with the SEC on March 31, 2003. There havebeen no material changes in the Company's market risk at March 31, 2003 as compared to December 31, 2002. The Company's most significant form of market risk is interest rate risk, as the majority ofits assets and liabilities are sensitive to changes in interest rates. As noted in Item 2, Management's Discussion and Analysis, the decrease in the Company's net interest income is due, in part, tothe relative changes in yield and cost of the Company's assets and liabilities as a result of the decreasing market interest rates in 2002 and into 2003. Should market interest rates increase, thecost of interest-bearing liabilities may increase faster than the rates on interest-bearing assets. Conversely, should market interest rates fall significantly below current levels, the Company's netinterest margin may also be negatively impacted. Market risk is reviewed quarterly by the Company's Asset Liability Committee.
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**Item 4.   Controls and Procedures**

            (a) Evaluation of Disclosure Controls and Procedures: An evaluation of the Company's disclosure controls and procedures (as defined in Section 13(a)-14(c) ofthe Securities Exchange Act of 1934 (the "Exchange Act")) was carried out under the supervision and with the participation of the Company's Chief Executive Officer, Chief Financial Officer andseveral other members of the Company's senior management within the 90-day period preceding the filing date of this quarterly report. The Company's Chief Executive Officer and Chief Financial Officerconcluded that the Company's disclosure controls and procedures as currently in effect are effective in ensuring that the information required to be disclosed by the Company in the reports it filesor submits under the Exchange Act is (i) accumulated and communicated to the Company's management (including the Chief Executive Officer and Chief Financial Officer) in a timely manner, and (ii)recorded, processed, summarized and reported within the time periods specified in the SEC's rules and forms. Since the date of this evaluation there have been no significant changes in, or correctiveactions taken regarding, the Company's internal controls or in other factors that could significantly affect these controls.

            The Company intends to continually review and evaluate the design and effectiveness of its disclosure controls and procedures and to improve its controls andprocedures over time and to correct any deficiencies that it may discover in the future. The goal is to ensure that senior management has timely access to all material financial and non-financialinformation concerning the Company's business. While the Company believes the present design of its disclosure controls and procedures is effective to achieve its goal, future events affecting itsbusiness may cause the Company to modify its disclosure controls and procedures.

**PART II -- OTHER INFORMATION**

**Item 1.   Legal Proceedings**

               Not applicable.

**Item 2.   Changes in Securities**

               Not applicable.

**Item 3.   Defaults upon Senior Securities**

               Not applicable.

**Item 4.   Submission of Matters to a Vote of Security Holders**

               Not applicable.

**Item 5.   Other Information**

               Not applicable.

**Item 6.   Exhibits and Reports on Form 8-K**

               (a) Exhibits

               See Index to Exhibits.

               (b) Reports on Form 8-K
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On February 26, 2003, the Company filed a Form 8-K, dated February 26, 2003, with the SEC amending the Company's news release announcing the reclassification of interest income for the three andtwelve months ended December 31, 2002.

On March 19, 2003, the Company filed a Form 8-K, dated March 19, 2003, with the SEC announcing the Company's ninth stock repurchase program.
22NEXT PAGE**SIGNATURES**
            Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
**Warwick Community Bancorp, Inc.**(Registrant)Date: May 14, 2003By:/s/ Fred G. KowalFred G. KowalChairman and Chief Executive Officer   (Duly Authorized Officer)Date: May 14, 2003By:/s/ Arthur W. BudichArthur W. BudichSenior Vice President and Chief Financial Officer   (Principal Financial Officer)23NEXT PAGE
**CERTIFICATIONS**

I, Fred G. Kowal, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Warwick Community Bancorp, Inc. (the "Registrant");

2. Based on my knowledge, this quarterly report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of thecircumstances under which such statements were made, not misleading with respect to the period covered by this quarterly report;

3. Based on my knowledge, the consolidated financial statements, and other financial information included in this quarterly report, fairly present in all material respects the consolidatedfinancial condition, results of operations and cash flows of the Registrant as of, and for, the periods presented in this quarterly report;

4. The Registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures ( as defined in Exchange Act Rules 13a-14 and 15d-14) for theRegistrant and we have:

a) designed such disclosure controls and procedures to ensure that material information relating to the Registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this quarterly report is being prepared;

b) evaluated the effectiveness of the Registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this quarterly report ( the "Evaluation Date"); and

c) presented in this quarterly report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date;

5. The Registrant's other certifying officer and I have disclosed, based on our most recent evaluation, to the Registrant's auditors and the audit committee of Registrant's board of directors ( or persons performing the equivalent function):

a) all significant deficiencies in the design or operation of internal controls which could adversely affect the Registrant's ability to record, process, summarize and report financial data and have identified for the Registrant's auditors any material weaknesses in internal controls; and

b) any fraud, whether or not material, that involves management or other employees who have a significant role in the Registrant's internal controls; and

6. The Registrant's other certifying officer and I have indicated in this quarterly report whether or not there were significant changes in internal controls or in other factors that could havesignificantly affected internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.

Date: May 14, 2003
/s/ Fred G. KowalFred G. KowalChairman of the Board and Chief Executive Officer24NEXT PAGE
**CERTIFICATIONS**

I, Arthur W. Budich, certify that:

1. I have reviewed this quarterly report on Form 10-Q of Warwick Community Bancorp, Inc. (the "Registrant");

2. Based on my knowledge, this quarterly report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of thecircumstances under which such statements were made, not misleading with respect to the period covered by this quarterly report;

3. Based on my knowledge, the consolidated financial statements, and other financial information included in this quarterly report, fairly present in all material respects the consolidatedfinancial condition, results of operations and cash flows of the Registrant as of, and for, the periods presented in this quarterly report;

4. The Registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures ( as defined in Exchange Act Rules 13a-14 and 15d-14) for theRegistrant and we have:

a) designed such disclosure controls and procedures to ensure that material information relating to the Registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this quarterly report is being prepared;

b) evaluated the effectiveness of the Registrant's disclosure controls and procedures as of a date within 90 days prior to the filing date of this quarterly report ( the "Evaluation Date"); and

c) presented in this quarterly report our conclusions about the effectiveness of the disclosure controls and procedures based on our evaluation as of the Evaluation Date;

5. The Registrant's other certifying officer and I have disclosed, based on our most recent evaluation, to the Registrant's auditors and the audit committee of Registrant's board of directors ( or persons performing the equivalent function):

a) all significant deficiencies in the design or operation of internal controls which could adversely affect the Registrant's ability to record, process, summarize and report financial data and have identified for the Registrant's auditors any material weaknesses in internal controls; and

b) any fraud, whether or not material, that involves management or other employees who have a significant role in the Registrant's internal controls; and

6. The Registrant's other certifying officer and I have indicated in this quarterly report whether or not there were significant changes in internal controls or in other factors that could havesignificantly affected internal controls subsequent to the date of our most recent evaluation, including any corrective actions with regard to significant deficiencies and material weaknesses.

Date: May 14, 2003
/s/ Arthur W. BudichArthur W. BudichSenior Vice President and Chief Financial Officer25NEXT PAGE
**INDEX TO EXHIBITS**
ExhibitNumberDocument3.1Certificate of Incorporation of Warwick Community Bancorp, Inc. (1)3.2Bylaws of Warwick Community Bancorp, Inc., as amended (9)4.1Certificate of Incorporation of Warwick Community Bancorp, Inc. (11)4.2Bylaws of Warwick Community Bancorp, Inc., as amended (11)4.3Form of Stock Certificate of Warwick Community Bancorp, Inc. (1)4.4Rights Agreement between Warwick Community Bancorp, Inc. and Registrar and Transfer Company, dated as of October 17, 2000, as amended by Amendment No. One to the rights Agreement dated September17, 2002 (6)4.5Form of Right Certificate (7)4.6Certificate of Designations, Preferences and Rights of Series A Junior Participating Preferred Stock of Warwick Community Bancorp, Inc. (7)10.1Employment Agreement by and between Warwick Community Bancorp, Inc. and Fred G. Kowal (8)10.2Amendment No. 1 to the Employment Agreement by and between Warwick Community Bancorp, Inc. and Fred G. Kowal (10)10.3Employment Agreement by and between Warwick Community Bancorp, Inc. and Ronald J. Gentile (2)10.4First Amendment to Employment Agreement by and between Warwick Community Bancorp, Inc. and Ronald J. Gentile (4)10.5Employment Agreement by and between Warwick Community Bancorp, Inc. and Arthur W. Budich (2)10.6First Amendment to Employment Agreement by and between Warwick Community Bancorp, Inc. and Arthur W. Budich (4)10.7Employment Agreement by and between Warwick Community Bancorp, Inc. and Nancy L. Sobotor-Littell (2)10.8First Amendment to Employment Agreement by and between Warwick Community Bancorp, Inc. and Nancy L. Sobotor-Littell (4)26NEXT PAGEExhibitNumberDocument10.9Recognition and Retention Plan of Warwick Community Bancorp, Inc. (3)10.10First Amendment to the Recognition and Retention Plan of Warwick Community Bancorp, Inc. (5)10.11Second Amendment to the Recognition and Retention Plan of Warwick Community Bancorp, Inc. (8)10.12Trust Agreement between Warwick Community Bancorp, Inc. and Orange County Trust Company for the Recognition and Retention Plan of Warwick Community Bancorp, Inc. (2)10.13Stock Option Plan of Warwick Community Bancorp, Inc. (3)10.14First Amendment to the Stock Option Plan of Warwick Community Bancorp, Inc. (5)10.15Form of Amended Stock Option Agreement for Directors under the Stock Option Plan of Warwick Community Bancorp, Inc (9)10.16Form of Amended Stock Option Agreement for Employees under the Stock Option Plan of Warwick Community Bancorp, Inc.(9)10.17Benefit Restoration Plan of The Warwick Savings Bank (1)10.18Grantor Trust Agreement by and between The Warwick Savings Bank and HSBC Bank USA for the Benefit Restoration Plan of The Warwick Savings Bank (2)10.19Change in Control Severance Plan of Warwick Community Bancorp, Inc. and Affiliates (9)11.1Statement re: Computation of per share earnings (See the Statement of Income and Note 2 of the Notes to Unaudited Consolidated Financial Statements in this report on Form 10-Q).99.1Certifications pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.(1)Incorporated herein by reference to the Exhibits to the Company's Registration Statement on Form S-1, filed on September 19, 1997, Registration No. 333-36021.(2)Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the fiscal year ended May 31, 1998.(3)Incorporated herein by reference to the Company's definitive Proxy Statement for the Special Meeting of Shareholders held on June 24, 1998.(4)Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the transition period from June 30, 1998 to December 31, 1998.27NEXT PAGE(5)Incorporated herein by reference to the Company's definitive Proxy Statement for the Special Meeting of Shareholders held on April 20, 1999.(6)Incorporated herein by reference to the Exhibits to the Company's Registration Statement on Form 8-A, filed on October 18,2000.(7)Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2000.(8)Incorporated herein by reference to the Exhibits to the Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2001.(9)Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2001.(10)Incorporated herein by reference to the Company's Quarterly Report on Form t for the Special-Q for the quarter ended September 30, 2002.(11)Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2002.28NEXT PAGE
EXHIBIT 99.1

            Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, each of the undersigned hereby certifies in his capacity as an officer of Warwick Community Bancorp, Inc.(the "Registrant") that the Quarterly Report of the Registrant on Form 10-Q for the period ended March 31, 2003 fully complies with the requirements of Section 13(a) of the Securities Exchange Act of1934 and that the information contained in such report fairly presents, in all material respects, the consolidated financial condition of the Registrant at the end of such period and the results ofoperations of the Registrant for such period.
Date: May 14, 2003By:/s/ Fred G. KowalFred G. KowalChairman and Chief Executive OfficerDate: May 14, 2003By:/s/ Arthur W. BudichArthur W. BudichSenior Vice President and Chief Financial Officer** |