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

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          MAR-31-2000
<PERIOD-START>                             APR-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                           3,587
<INT-BEARING-DEPOSITS>                           3,096
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     39,206
<INVESTMENTS-CARRYING>                             644
<INVESTMENTS-MARKET>                               644
<LOANS>                                        364,227
<ALLOWANCE>                                      3,490
<TOTAL-ASSETS>                                 436,065
<DEPOSITS>                                     223,817
<SHORT-TERM>                                   151,063
<LIABILITIES-OTHER>                              3,288
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            25
<OTHER-SE>                                      57,872
<TOTAL-LIABILITIES-AND-EQUITY>                 436,065
<INTEREST-LOAN>                                 13,067
<INTEREST-INVEST>                                1,323
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                14,390
<INTEREST-DEPOSIT>                               4,287
<INTEREST-EXPENSE>                               7,320
<INTEREST-INCOME-NET>                            7,070
<LOAN-LOSSES>                                      450
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,008
<INCOME-PRETAX>                                  1,946
<INCOME-PRE-EXTRAORDINARY>                       1,946
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,257
<EPS-BASIC>                                       0.58
<EPS-DILUTED>                                     0.58
<YIELD-ACTUAL>                                    7.59
<LOANS-NON>                                      1,979
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,027
<CHARGE-OFFS>                                        1
<RECOVERIES>                                        14
<ALLOWANCE-CLOSE>                                3,490
<ALLOWANCE-DOMESTIC>                             3,490
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>