<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated condensed statement of financial condition and the consolidated
condensed statement of income and is qualified in its entirety by reference to
such financial statements.
</LEGEND>
<CIK> 0001046209
<NAME> WARWICK COMMUNITY BANCORP, INC.
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> APR-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 17,053
<INT-BEARING-DEPOSITS> 433
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 184,831
<INVESTMENTS-CARRYING> 1,726
<INVESTMENTS-MARKET> 1,715
<LOANS> 402,575
<ALLOWANCE> 2,269
<TOTAL-ASSETS> 654,409
<DEPOSITS> 329,324
<SHORT-TERM> 66,791
<LIABILITIES-OTHER> 12,309
<LONG-TERM> 180,860
0
0
<COMMON> 62,953
<OTHER-SE> 2,172
<TOTAL-LIABILITIES-AND-EQUITY> 654,409
<INTEREST-LOAN> 14,749
<INTEREST-INVEST> 7,167
<INTEREST-OTHER> 30
<INTEREST-TOTAL> 21,946
<INTEREST-DEPOSIT> 4,926
<INTEREST-EXPENSE> 12,400
<INTEREST-INCOME-NET> 9,546
<LOAN-LOSSES> 390
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 8,347
<INCOME-PRETAX> 3,019
<INCOME-PRE-EXTRAORDINARY> 3,019
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,046
<EPS-BASIC> 0.42
<EPS-DILUTED> 0.42
<YIELD-ACTUAL> 3.31
<LOANS-NON> 956
<LOANS-PAST> 138
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 215
<ALLOWANCE-OPEN> 1,941
<CHARGE-OFFS> 68
<RECOVERIES> 6
<ALLOWANCE-CLOSE> 2,269
<ALLOWANCE-DOMESTIC> 2,269
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>