<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF BAYSTATE BANCORP, INC. AT AND FOR THE SIX MONTHS ENDED
SEPTEMBER 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER>                                             1,000
       
<S>                                                  <C>
<PERIOD-TYPE>                                        6-MOS
<FISCAL-YEAR-END>                                  MAR-31-1999
<PERIOD-START>                                     APR-01-1998
<PERIOD-END>                                       SEP-30-1998
<CASH>                                                   3,201
<INT-BEARING-DEPOSITS>                                 206,429
<FED-FUNDS-SOLD>                                        10,500
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             23,744
<INVESTMENTS-CARRYING>                                   1,621
<INVESTMENTS-MARKET>                                     1,664
<LOANS>                                                257,284
<ALLOWANCE>                                              2,573
<TOTAL-ASSETS>                                         306,392
<DEPOSITS>                                             206,429
<SHORT-TERM>                                            33,836
<LIABILITIES-OTHER>                                      2,038
<LONG-TERM>                                                  0
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                    25
<OTHER-SE>                                              64,064
<TOTAL-LIABILITIES-AND-EQUITY>                         306,392
<INTEREST-LOAN>                                          9,650
<INTEREST-INVEST>                                          606
<INTEREST-OTHER>                                           704
<INTEREST-TOTAL>                                        10,960
<INTEREST-DEPOSIT>                                       4,490
<INTEREST-EXPENSE>                                         462
<INTEREST-INCOME-NET>                                    6,008
<LOAN-LOSSES>                                              150
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                          4,073
<INCOME-PRETAX>                                          1,945
<INCOME-PRE-EXTRAORDINARY>                               1,945
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             1,120
<EPS-PRIMARY>                                             0.48
<EPS-DILUTED>                                             0.48
<YIELD-ACTUAL>                                            7.85
<LOANS-NON>                                              1,715
<LOANS-PAST>                                                 0
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         2,513
<CHARGE-OFFS>                                               90
<RECOVERIES>                                                 0
<ALLOWANCE-CLOSE>                                        2,573
<ALLOWANCE-DOMESTIC>                                     2,573
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0

        

</TABLE>