<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.
<MULTIPLIER>                  1000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JUL-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          12,869
<INT-BEARING-DEPOSITS>                             623
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    200,769
<INVESTMENTS-CARRYING>                           1,139
<INVESTMENTS-MARKET>                             1,133
<LOANS>                                        320,390
<ALLOWANCE>                                      1,827
<TOTAL-ASSETS>                                 567,266
<DEPOSITS>                                     261,436
<SHORT-TERM>                                    36,769
<LIABILITIES-OTHER>                             12,990
<LONG-TERM>                                    184,550
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        63,111
<OTHER-SE>                                       8,410
<TOTAL-LIABILITIES-AND-EQUITY>                 567,266
<INTEREST-LOAN>                                 16,051
<INTEREST-INVEST>                                8,889
<INTEREST-OTHER>                                    17
<INTEREST-TOTAL>                                24,957
<INTEREST-DEPOSIT>                               5,785
<INTEREST-EXPENSE>                              11,644
<INTEREST-INCOME-NET>                           13,313
<LOAN-LOSSES>                                      375
<SECURITIES-GAINS>                                 829
<EXPENSE-OTHER>                                 12,163
<INCOME-PRETAX>                                  4,141
<INCOME-PRE-EXTRAORDINARY>                       4,141
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,455
<EPS-BASIC>                                     0.44
<EPS-DILUTED>                                     0.44
<YIELD-ACTUAL>                                    3.82
<LOANS-NON>                                      1,347
<LOANS-PAST>                                       221
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    418
<ALLOWANCE-OPEN>                                 1,727
<CHARGE-OFFS>                                      359
<RECOVERIES>                                        84
<ALLOWANCE-CLOSE>                                1,827
<ALLOWANCE-DOMESTIC>                             1,827
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>