<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>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          12,302
<INT-BEARING-DEPOSITS>                             595
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    186,816
<INVESTMENTS-CARRYING>                           1,726
<INVESTMENTS-MARKET>                             1,717
<LOANS>                                        377,536
<ALLOWANCE>                                      2,111
<TOTAL-ASSETS>                                 624,867
<DEPOSITS>                                     294,727
<SHORT-TERM>                                    67,112
<LIABILITIES-OTHER>                             10,574
<LONG-TERM>                                    188,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        62,987
<OTHER-SE>                                       1,467
<TOTAL-LIABILITIES-AND-EQUITY>                 624,867
<INTEREST-LOAN>                                  7,036
<INTEREST-INVEST>                                3,570
<INTEREST-OTHER>                                    22
<INTEREST-TOTAL>                                10,628
<INTEREST-DEPOSIT>                               2,384
<INTEREST-EXPENSE>                               5,857
<INTEREST-INCOME-NET>                            4,771
<LOAN-LOSSES>                                      186
<SECURITIES-GAINS>                                  20
<EXPENSE-OTHER>                                  4,120
<INCOME-PRETAX>                                  1,583
<INCOME-PRE-EXTRAORDINARY>                       1,583
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,062
<EPS-BASIC>                                       0.21
<EPS-DILUTED>                                     0.21
<YIELD-ACTUAL>                                    3.40
<LOANS-NON>                                      1,594
<LOANS-PAST>                                       544
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    200
<ALLOWANCE-OPEN>                                 2,057
<CHARGE-OFFS>                                        9
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                2,111
<ALLOWANCE-DOMESTIC>                             2,111
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>