BAY STATE BANCORP INC
10-Q, EX-27, 2000-08-10
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<TABLE> <S> <C>


<ARTICLE>                       9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF BAY STATE BANCORP, INC. AT AND FOR THE  QUARTER ENDED
JUNE 30, 2000 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-31-2001
<PERIOD-START>                         APR-01-2000
<PERIOD-END>                           JUN-30-2000
<CASH>                                       6,152
<INT-BEARING-DEPOSITS>                         101
<FED-FUNDS-SOLD>                                 0
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                 29,761
<INVESTMENTS-CARRYING>                         475
<INVESTMENTS-MARKET>                           483
<LOANS>                                    405,431
<ALLOWANCE>                                  4,080
<TOTAL-ASSETS>                             470,949
<DEPOSITS>                                 258,356
<SHORT-TERM>                               154,246
<LIABILITIES-OTHER>                          4,707
<LONG-TERM>                                      0
                            0
                                      0
<COMMON>                                        25
<OTHER-SE>                                  53,615
<TOTAL-LIABILITIES-AND-EQUITY>             470,949
<INTEREST-LOAN>                              8,065
<INTEREST-INVEST>                              696
<INTEREST-OTHER>                                 0
<INTEREST-TOTAL>                             8,761
<INTEREST-DEPOSIT>                           2,655
<INTEREST-EXPENSE>                           2,277
<INTEREST-INCOME-NET>                        4,932
<LOAN-LOSSES>                                  165
<SECURITIES-GAINS>                               0
<EXPENSE-OTHER>                              2,626
<INCOME-PRETAX>                              1,230
<INCOME-PRE-EXTRAORDINARY>                   1,230
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                   807
<EPS-BASIC>                                   0.45
<EPS-DILUTED>                                 0.45
<YIELD-ACTUAL>                                8.00
<LOANS-NON>                                  1,530
<LOANS-PAST>                                     0
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                             3,915
<CHARGE-OFFS>                                    0
<RECOVERIES>                                     0
<ALLOWANCE-CLOSE>                            4,080
<ALLOWANCE-DOMESTIC>                         4,080
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0



</TABLE>


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