<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
SEPTEMBER 30, 2000 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-31-2000
<PERIOD-START>                                 APR-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                               8,933
<INT-BEARING-DEPOSITS>                               6,310
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         31,089
<INVESTMENTS-CARRYING>                                 434
<INVESTMENTS-MARKET>                                   438
<LOANS>                                            414,858
<ALLOWANCE>                                          4,230
<TOTAL-ASSETS>                                     491,375
<DEPOSITS>                                         268,561
<SHORT-TERM>                                        58,820
<LIABILITIES-OTHER>                                  5,113
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                25
<OTHER-SE>                                          53,967
<TOTAL-LIABILITIES-AND-EQUITY>                     491,375
<INTEREST-LOAN>                                     16,575
<INTEREST-INVEST>                                    1,411
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                    17,986
<INTEREST-DEPOSIT>                                   5,542
<INTEREST-EXPENSE>                                  10,313
<INTEREST-INCOME-NET>                                7,673
<LOAN-LOSSES>                                          315
<SECURITIES-GAINS>                                      40
<EXPENSE-OTHER>                                      5,365
<INCOME-PRETAX>                                      2,596
<INCOME-PRE-EXTRAORDINARY>                           2,596
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,663
<EPS-BASIC>                                           0.92
<EPS-DILUTED>                                         0.91
<YIELD-ACTUAL>                                        8.10
<LOANS-NON>                                          1,456
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     3,915
<CHARGE-OFFS>                                           (2)
<RECOVERIES>                                             2
<ALLOWANCE-CLOSE>                                    4,230
<ALLOWANCE-DOMESTIC>                                 4,080
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>