<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  NINE MONTHS ENDED
DECEMBER 31, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER>                                   1,000
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              MAR-31-1999
<PERIOD-START>                                 APR-01-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                               5,975
<INT-BEARING-DEPOSITS>                             211,105
<FED-FUNDS-SOLD>                                     6,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         26,063
<INVESTMENTS-CARRYING>                               1,299
<INVESTMENTS-MARKET>                                 1,298
<LOANS>                                            283,300
<ALLOWANCE>                                          2,833
<TOTAL-ASSETS>                                     344,120
<DEPOSITS>                                         213,167
<SHORT-TERM>                                        64,449
<LIABILITIES-OTHER>                                  2,437
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                                25
<OTHER-SE>                                          59,402
<TOTAL-LIABILITIES-AND-EQUITY>                     344,120
<INTEREST-LOAN>                                     15,201
<INTEREST-INVEST>                                    1,809
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                    17,010
<INTEREST-DEPOSIT>                                   6,689
<INTEREST-EXPENSE>                                   1,042
<INTEREST-INCOME-NET>                                9,279
<LOAN-LOSSES>                                          410
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      6,247
<INCOME-PRETAX>                                      2,870
<INCOME-PRE-EXTRAORDINARY>                           2,870
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         1,667
<EPS-PRIMARY>                                         0.71
<EPS-DILUTED>                                         0.71
<YIELD-ACTUAL>                                        7.78
<LOANS-NON>                                          1,898
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     2,513
<CHARGE-OFFS>                                           90
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                    2,833
<ALLOWANCE-DOMESTIC>                                 2,833
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
                                               

</TABLE>