<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 QUARTER ENDED JUNE
30,  1999 AND IS  QUALIFIED  IN ITS  ENTIRETY  BY  REFERENCE  TO SUCH  FINANCIAL
STATEMENTS
</LEGEND>

<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                            MAR-31-2000
<PERIOD-START>                               APR-01-1999
<PERIOD-END>                                 JUN-30-1999
<CASH>                                             3,215
<INT-BEARING-DEPOSITS>                                91
<FED-FUNDS-SOLD>                                       0
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                       41,473
<INVESTMENTS-CARRYING>                               739
<INVESTMENTS-MARKET>                                 740
<LOANS>                                          330,963
<ALLOWANCE>                                        3,266
<TOTAL-ASSETS>                                   398,553
<DEPOSITS>                                       215,515
<SHORT-TERM>                                     121,917
<LIABILITIES-OTHER>                                2,948
<LONG-TERM>                                            0
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                              25
<OTHER-SE>                                        58,148
<TOTAL-LIABILITIES-AND-EQUITY>                   398,553
<INTEREST-LOAN>                                    6,260
<INTEREST-INVEST>                                    579
<INTEREST-OTHER>                                       0
<INTEREST-TOTAL>                                   6,839
<INTEREST-DEPOSIT>                                 2,119
<INTEREST-EXPENSE>                                 1,236
<INTEREST-INCOME-NET>                              3,355
<LOAN-LOSSES>                                        225
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                    2,519
<INCOME-PRETAX>                                      908
<INCOME-PRE-EXTRAORDINARY>                           908
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                         584
<EPS-BASIC>                                         0.27
<EPS-DILUTED>                                       0.27
<YIELD-ACTUAL>                                      7.62
<LOANS-NON>                                        1,700
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                                   3,027
<CHARGE-OFFS>                                          0
<RECOVERIES>                                          14
<ALLOWANCE-CLOSE>                                  3,266
<ALLOWANCE-DOMESTIC>                               3,266
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0



</TABLE>