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[X]      QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXHANGE
            ACT OF 1934

            For the quarterly period ended June 30, 2002

            For the transition period from                       to                      

         Commission File Number: 0-23293

       Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the Registrant was required to file such reports), and (2) has been subject to such filing for the past 90 days.

                     Yes X                      No        

       As of August 8, 2002, there were 4,979,142 shares of the registrant's common stock outstanding.

PART I - FINANCIAL INFORMATION

Item 1.     Financial Statements - Unaudited

WARWICK COMMUNITY BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(Unaudited)

WARWICK COMMUNITY BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY
(Unaudited)

WARWICK COMMUNITY BANCORP, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
(Unaudited)

WARWICK COMMUNITY BANCORP, INC.
NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS

1.          Basis of Presentation

             The accompanying unaudited consolidated financial statements include the accounts of Warwick Community Bancorp, Inc. ("Parent Company"), its savings bank subsidiary, The Warwick Savings Bank ("Warwick Savings"), its commercial bank subsidiary, The Towne Center Bank ("Towne Center") and its title business subsidiary, Hardenburgh Abstract Company of Orange County, Inc. ("Hardenburgh"). The consolidated financial statements of the Parent Company and its subsidiaries (collectively, the "Company") conform to generally accepted accounting principles and reporting practices followed by the banking industry. Warwick Commercial Bank ("Warwick Commercial") was formed in 2001, as a subsidiary of Warwick Savings, for the purpose of accepting government deposits and whose results are included the consolidated financial statements of the Company.

             The unaudited consolidated financial statements included herein reflect all normal recurring adjustments which are, in the opinion of management, necessary to present a fair statement of the results for the interim periods presented. The results of operations for the six months ended June 30, 2002 are not necessarily indicative of the results of operations that may be expected for the entire year ending December 31, 2002. Certain information and note disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted pursuant to the rules and regulations of the U.S. Securities and Exchange Commission ("SEC").

             These unaudited consolidated financial statements should be read in conjunction with the Company's audited consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended December 31, 2001, as filed with the SEC on March 15, 2002.

2.          Earnings Per Share

             Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding for the period, adjusted for the unallocated portion of the shares held by the Warwick Community Bancorp, Inc. Employee Stock Ownership Plan ("ESOP") in accordance with American Institute of Certified Public Accountants ("AICPA") Statement of Position 93-6, "Employers Accounting for Employee Stock Ownership Plans," and unearned shares held by the Recognition and Retention Plan of Warwick Community Bancorp, Inc. ("RRP"). Diluted earnings per share, which reflects the potential dilution that could occur if outstanding stock options were exercised and resulted in the issuance of common stock that then shared in the earnings of the Company, is computed by dividing net income by the weighted average number of common shares and dilutive instruments.

3.          Comprehensive Income

             Comprehensive income includes net income and all other changes in equity during a period except those resulting from investments by owners and distributions to owners. Other comprehensive income includes revenues, expenses, gains and losses that, under accounting principles generally accepted in the United States of America, are included in comprehensive income but excluded from net income. Comprehensive income and accumulated other comprehensive income are reported net of related income taxes. Accumulated other comprehensive income for the Company consists solely of unrealized holding gains or losses on available for sale securities.

4.          New Accounting Pronouncements

             On July 20, 2001, the FASB issued Statement of Financial Accounting Standards No. 142 "Goodwill and Other Intangible Assets," ("SFAS 142"). This Statement addresses financial accounting and reporting for acquired goodwill and other intangible assets and supercedes APB Opinion No. 17, "Intangible Assets". It addresses how intangible assets that are acquired individual or with a group of other assets should be accounted for in financial statements upon their acquisition. SFAS 142 requires that goodwill and intangible assets with indefinite useful lives no longer be amortized, but instead tested for impairment at least annually in accordance with the provisions of SFAS 142. SFAS 142 also requires that intangible assets with definite useful lives be amortized over their respective estimated useful lives to their estimated residual values and periodically reviewed for impairment.

The Company adopted provisions of SFAS 142 on January 1, 2002. The Company had $885,600 in recorded goodwill at January 1, 2002 and $1.8 million of other intangible assets, with amortization of $227,200 per year. The cessation of amortization of goodwill upon the adoption of SFAS 142 had no significant impact on reported operations for the second quarter of 2002 or year-to-date 2002 as compared to the same periods ended June 30, 2001. Excluding the $24,000 of goodwill amortization recorded in the quarter ended June 30, 2001, the basic and diluted earnings per share were $0.26 and $0.26, respectively. Year-to-date 2001 basic and diluted earnings per share excluding $40,600 of year-to-date goodwill amortization were $0.49 and $0.48, respectively.

5.          Loan Portfolio Composition

             The following table sets forth the composition of the Company's loan portfolio in dollar amounts and percentage of the portfolio at the dates indicated.

             The following table sets forth information regarding non-accrual loans, other past due loans and other real estate owned at the dates indicated. The $1.3 million increase in non-accrual mortgage loans delinquent more than 90 days from $886,000 at December 31, 2001 to $2.2 million at June 30, 2002 resulted primarily from two residential mortgage loans in the amounts of $693,000 and $479,000. Loan-to-value ratios on the properties are 80.0% and 70.0%, respectively.

             The following table sets forth the activity in the Company's allowance for loan losses at and for the periods indicated.

General

             The Parent Company is a bank holding company incorporated in September 1997 under the laws of the State of Delaware and is registered under the Bank Holding Company Act of 1956, as amended ("BHCA"). The Parent Company elected to become a financial holding company under the BHCA in October 2000. The primary business of the Parent Company is the operation of its wholly owned subsidiaries, Warwick Savings, Towne Center and Hardenburgh, the Parent Company's recently acquired title insurance agency subsidiary. Presently, the only significant assets of the Parent Company are the capital stock of Warwick Savings, Towne Center and Hardenburgh, the note evidencing the loan the Parent Company made to the ESOP to allow the ESOP to purchase 8% of the Parent Company's common stock issued in the Parent Company's initial public offering, and the investments acquired with the net proceeds of the offering retained by the Parent Company. While the following discussion of financial condition and results of operations includes the collective results of the Parent Company and its subsidiaries, this discussion reflects primarily Warwick Savings' activities. Unless otherwise disclosed, the information presented herein reflects the financial condition and results of operations of the Parent Company and its subsidiaries on a consolidated basis, and as used herein the term " Company" refers to the Parent Company and its subsidiaries collectively.

Financial Condition

             For the six-month period ended June 30, 2002, total assets of the Company increased $1.0 million from $806.7 million at December 31, 2001 to $807.7 million at June 30, 2002. This increase in total assets was primarily attributable to a $33.1 million, or 6.4%, increase in total loans, which increased from $519.8 million at December 31, 2001 to $552.9 million at June 30, 2002, and was partially offset by the $22.7 million, or 10.8%, decrease in total securities, which decreased from $209.6 million at December 31, 2001 to $186.9 million at June 30, 2002. The increase in total loans was attributable to the growth in the commercial portfolio, which increased $67.3 million and was partially offset by the decrease in the residential mortgage loan and consumer loan portfolios of $25.7 million and $8.5 million, respectively. The net increase in the commercial loan portfolio resulted primarily from the Company's purchase of seasoned commercial mortgage loan offerings from two separate sellers that aggregated $45.0 million and $13.9 million, respectively. Funding for the purchases was provided principally by the net decrease in the Company's securities portfolio that resulted primarily from investment security sales, maturities and amortization, as well as by the decreases cited previously in the residential mortgage loan and consumer loan portfolios. Additionally, the Federal Home Loan Bank of New York (" FHLBNY") repurchased $3.7 million, net, of its capital stock from the Company which reduced the Company's investment in FHLBNY capital stock from $16.9 million at December 31, 2001 to $13.2 million at June 30, 2002.

             Deposits increased $23.8 million, or 5.6%, from $422.2 million at December 31, 2001 to $446.0 million at June 30, 2002. This increase was primarily attributable to an increase in savings accounts of $22.6 million, an increase of $8.8 million in NOW and money market accounts and an increase of $3.7 million in non-interest-bearing checking accounts, which were partially offset by the decrease in certificates of deposit accounts of $11.3 million.

             Borrowed funds, comprised primarily of advances from the FHLBNY, decreased $30.8 million, to $260.0 million at June 30, 2002 from $290.8 million at December 31, 2001.

             Total stockholders' equity increased by $7.3 million, or 9.9%, from $74.0 million at December 31, 2001 to $81.3 million at June 30, 2002. The increase was primarily attributable to net income of $5.0 million for the six months ended June 30, 2002 and the $2.0 million increase in unrealized appreciation of securities available for sale. The increase in total stockholders' equity was partially offset by the open market

Analysis of Net Interest Income

             Net interest income represents the difference between income on interest-earning assets and expense on interest-bearing liabilities. Net interest income depends upon the volume of interest-earning assets and interest-bearing liabilities and the interest rates earned or paid on them.

             Average Balance Sheets. The following table sets forth certain information regarding the Company's average statements of financial condition and its statements of income for the three and six months ended June 30, 2002 and 2001, and reflects the average yield on assets and average cost of liabilities for the periods indicated. Such yields and costs were derived by dividing interest income or expense by the average balance of assets or liabilities, respectively, for the periods shown. The yields include deferred fees and discounts, which are considered yield adjustments. Average balances were computed based on month-end balances. Management believes the use of average monthly balances instead of average daily balances does not have a material effect on the information presented.

             General. For the three months ended June 30, 2002, the Company recognized net income of $2.5 million, or $0.53 per diluted share, as compared to net income of $1.2 million, or $0.25 per diluted share, for the three months ended June 30, 2001, which represents a $1.3 million, or 110.9%, increase. Net interest income and non-interest income increased $1.1 million and $993,000, or 19.7% and 65.4%, respectively, for the three months ended June 30, 2002, and non-interest expense decreased $336,000, or 6.4% during the same period. For the second quarter ended June 30, 2002, annualized return on average assets ("ROAA") and annualized return on average equity ("ROAE") were 1.29% and 12.81%, respectively. The ROAA and ROAE for the corresponding quarter of 2001 were 0.65% and 6.52%, respectively.

             Interest Income. Interest income amounted to $12.5 million for the three months ended June 30, 2002, as compared to $12.8 million for the three months ended June 30, 2001. This decrease of $355,000, or 2.8%,

             The decrease in interest earned on the Company's mortgage loan portfolio resulted primarily from the decrease in the average yield of the portfolio to 7.06% for the three months ended June 30, 2002 from 7.57% for the three months ended June 30, 2001. The increase in interest income on consumer and other loans was primarily the result of the increase in average balances of $33.9 million, or 25.5%, and was partially offset by a decrease in the average yield of such portfolio to 7.43% from 8.36%.

             Interest and dividends earned on securities declined slightly from $3.5 million to $3.3 million mainly due to the decrease in the average balances of investment securities and mortgage-backed securities, which aggregated $213.6 million for the three months ended June 30, 2002, as compared to $216.1 million for the three months ended June 30, 2001. The average yield on investment securities and mortgage-backed securities decreased to 5.79% and 6.53%, respectively, for the three months ended June 30, 2002 from 6.44% and 6.66%, respectively, for the comparable period in 2001.

             Interest Expense. Total interest expense for the three-month period ended June 30, 2002 decreased from $7.0 million to $5.5 million , a decrease of $1.5 million, or 21.3%, as compared to the same three-month period one year earlier. A $25.9 million increase in average interest bearing liabilities was offset by a 113 basis point decrease in the cost of funds to 3.48%. The cost of funds was influenced by a decline in rates as well as a change in the mix of deposits. Average time deposits decreased $15.5 million, or 13.9%, for the three-month period ended June 30, 2002 while lower yielding savings and interest bearing demand accounts increased $53.2 million, or 24.6% during the same period. Also contributing to this decline was the decrease in average borrowed funds of $14.9 million, or 5.7%, coupled with the decrease in the average cost of borrowed funds to 5.15% as of June 30, 2002 from 5.54% at June 30, 2001.

             Net Interest Income. Net interest income for the three months ended June 30, 2002 increased $1.1 million, or 19.7%, to $6.9 million compared to the three months ended June 30, 2001, primarily as a result of the decline in the cost of interest bearing liabilities resulting from a decrease in rates paid on deposits and a more favorable mix of deposits. This increase was partially offset by the decrease in the average yield of interest-earning assets and the increase in the average balances of the Company's interest-bearing deposits. Interest rate spread increased to 3.26% from 2.76%, and the net interest margin was 3.75% and 3.33%, respectively, for the three-month periods ended June 30, 2002 and 2001.

             Provision for Loan Losses. The provision for loan losses for the three months ended June 30, 2002 and 2001 was $225,000 and $245,000, respectively. This provision is a result of management's assessment of the loan portfolio, the level of the Company's allowance for loan losses and its assessment of the local economy and market conditions, coupled with the growth in the loan portfolio, particularly in commercial loans.

             Non-Interest Income. Non-interest income, net, for the three months ended June 30, 2002 totaled $2.5 million, as compared to $1.5 million for the three months ended June 30, 2001. This increase was primarily due to the $893,000 increase in other income, the $82,000 increase in service and fee income. The increase in other income was attributable to a one-time $817,000 gain recognized on the curtailment of the Company's defined benefit pension plan. The increase in service and fee income can be attributed to the deposit and commercial loan growth, an increase in the amount of income generated from the sales of mutual funds and tax-deferred annuities and fees associated with the Company's debit card. Partially offsetting these increases was the $14,000 decrease in the gain on securities transaction.

             Non-Interest Expense. Non-interest expense decreased by $336,000 for the three-month period ended June 30, 2002 as compared to June 30, 2001. Other expenses and professional fees decreased $246,000 and $119,000, respectively, for the three months ended June 30, 2002 as compared to June 30, 2001. The decrease in other expenses resulted from increased expenses incurred in 2001 related to the Company's exiting the residential mortgage loan service business, as well as, costs incurred with the integration of Hardenburgh and the Carmel, New York branch with the Company. The decrease in professional fees was attributable to higher legal and consulting services incurred in 2001 to complete the acquisition of Hardenburgh and the Carmel, New York branch office, as well as costs incurred for the formation of the Warwick Commercial Bank. Salaries and employee benefits expense remained at the same level for the three months ended June 30, 2002 as compared to the comparable period in 2001. However, the quarter ending June 30, 2002 included non-recurring expenses associated with the previously mentioned curtailment of the Company's defined benefit pension plan in the amount of $197,000. Data processing expense increased $37,000, or 13.9% for the three months ended June 30, 2002 as compared to June 30, 2001.

             Provision for Income Taxes. The $1.2 million increase in the provision for income taxes to $1.8 million for the three-month period ended June 30, 2002, as compared to the three-month period ended June 30, 2001, was primarily attributable to the 136.4% increase in pre-tax income.

Comparison of Operating Results for the Six Months Ended June 30, 2002 and 2001

             General. For the six months ended June 30, 2002, the Company recognized net income of $5.0 million, or $1.05 per diluted share, as compared to net income of $2.3 million, or $0.48 per diluted share, for the six months ended June 30, 2001. The increase was primarily attributable to the decrease in interest expense coupled with increased interest income generated from the continued growth in the Company's loan and securities portfolios. Net interest income and non-interest income increased $3.1 million and $1.3 million, or 28.4% and 48.0%, respectively, for the six months ended June 30, 2002, while non-interest expense decreased $382,000, or 3.9%. For the six months ended June 30, 2002, the annualized ROAA and ROAE were 1.26% and 12.87%, respectively. The ROAA and ROAE for the corresponding period in 2001 were 0.66% and 6.21%, respectively.

             Interest Income. Interest income amounted to $25.3 million for the six months ended June 30, 2002, as compared to $24.4 million for the six months ended June 30, 2001. This increase of $886,000, or 3.6%, was primarily the result of the $1.0 million increase in interest earned on other loans and the $296,000 increase in interest and dividends on securities, as compared to the respective amounts earned over the six-month period ended June 30, 2001. Partially offsetting these increases was the decrease of $450,000 in interest earned on the Company's mortgage loan portfolio.

             The increase in interest earned on the Company's consumer and other loan portfolio resulted primarily from the increase in the average balances of those loans at June 30, 2002 to $165.7 million for the six months ended June 30, 2002, as compared to $119.7 million for the six months ended June 30, 2001. The average yield of the portfolio declined to 7.38% for the six months ended June 30, 2002 from 8.52% for the six months ended June 30, 2001. The decrease in interest income on the Company's mortgage loan portfolio was attributable to the decrease in the average yield to 7.07% for the six months ended June 30, 2002 from 7.57% for the comparable period in 2001. This decrease was only partially offset by the increase in the average balances of mortgage loans at June 30, 2002 to $349.5 million for the six months ended June 30, 2002, as compared to $338.6 million for the six months ended June 30, 2001.

             The increase in interest and dividends earned on securities resulted mainly from the increase in the average aggregate balances of investment securities and mortgage-backed securities, to $216.8 million for the six months ended June 30, 2002 as compared to $188.8 million for the six months ended June 30, 2001 partially offset by the decrease in the average yield on mortgage-backed securities to 5.30% for the six months ended June 30, 2001 as compared to 6.74%, respectively, for the six months ended June 30, 2001. The increase in the average balances was due primarily to excess liquid funds being invested in the available for sale portfolio.

             Interest Expense. Interest expense over the six-month period ended June 30, 2002 on total interest-bearing deposits and borrowed funds decreased by $2.2 million when compared to the same six-month period one year earlier, primarily as a result of the decrease in the average cost and average balance of certificate accounts as well as the decrease in the average cost of money market accounts which decreased to 1.95% at June 30, 2002 from 4.01% for the comparable period in 2001. The cost of funds was influenced by a decline in rates as well as a change in the mix of deposits. Over the same periods, the average balances of total interest-bearing liabilities increased by $75.2 million, or 13.2%, from $568.3 million to $643.5 million. Partially offsetting these increases was the decrease in the average cost of interest-bearing liabilities to 3.49% for the six month period ended June 30, 2002 from 4.73% at June 30, 2001.

             Net Interest Income. Net interest income for the six months ended June 30, 2002 increased $3.1 million, or 28.4%, to $14.1 million compared to the six months ended June 30, 2001, primarily as a result of the increase in the average balances of the Company's loan and securities portfolio. This increase was partially offset by the increase in the average balances of the Company's interest-bearing liabilities. Interest rate spread increased to 3.28% from 2.77%, and the net interest margin increased to 3.77% from 3.36%, respectively, for the six-month period ended June 30, 2002 compared to the six-month period ended June 30, 2001.

             Provision for Loan Losses. The provision for loan losses for the six months ended June 30, 2002 and 2001 was $455 thousand and $480 thousand, respectively. This provision is a result of management's assessment of the loan portfolio, the level of the Company's allowance for loan losses and its assessment of the local economy and market conditions.

             Non-Interest Income. Non-interest income, net, for the six months ended June 30, 2002 and June 30, 2001 totaled $4.1 million and $2.8 million, respectively. Other income, service and fee income and gain on sale of securities transaction increased $867,000, $386,000 and $228,000, respectively, for the six months ended June 30, 2002, as compared to the comparable period in 2001. The increase in other income was primarily the result of the $816,000 gain on the curtailment of the Company's pension plan. The increase in service and fee income resulted primarily from deposit and loan growth and fee income and fee income associated Company's debit and ATM cards. Partially offsetting these increases was the $110,000 decrease in the gain on sale of mortgage servicing rights and the $38,000 decrease in the net gain on sale of loans.

             Non-Interest Expense. Non-interest expense decreased by $382,000 million for the six-month period ended June 30, 2002 as compared to June 30, 2001. Other expenses and occupancy expense decreased by $602,000 and $21,000, respectively, for the six months ended June 30, 2002. The decrease in other expenses resulted from increased expenses incurred in 2001 related to the Company's exiting the residential mortgage loan service business as well as costs incurred with the integration of Hardenburgh and the Carmel, New York branch with the Company. Salaries and employee benefits expense increased by $151,000 for the six months ended June 30, 2002. This is primarily the result of the non-recurring increased expense related to the curtailment of the Company's pension plan, increases in ESOP compensation and increases in medical benefits that were only partially offset by a decrease in salary expense. Data processing expense and advertising expense increased $59,000 and $18,000, respectively, for the six months ended June 30, 2002.

             Provision for Income Taxes. The increase of $2.2 million in the provision for income taxes for the six-month period ended June 30, 2002, as compared to the same period ended June 30, 2001, was primarily attributable to the increase of 139.3% in pre-tax income.

Liquidity and Capital Resources

             Liquidity is managed using a combination of customer deposits, cash and short-term interest-earning assets, mortgage loans held for sale, investment securities held as available for sale and borrowings from the FHLBNY. At June 30, 2002, management had utilized $2.5 million in repurchase agreements and $260.0 million in FHLBNY advances to supplement its deposit flows and liquidity needs.

             At June 30, 2002, the Company's total approved loan origination commitments outstanding totaled $46.4 million. Certificates of deposit scheduled to mature in one year or less at June 30, 2002 totaled $94.5 million. Based on historical experience, management believes that a significant portion of such deposits will remain with the Company.

             At June 30, 2002, the Company had cash and due from banks of $23.6 million and securities available for sale of $184.6 million. Management believes these amounts, together with the Company's borrowing capabilities, to be more than adequate to meet its short-term cash needs.

Regulatory Capital Position

             Warwick Savings, Warwick Commercial and Towne Center are subject to minimum regulatory capital requirements imposed by the Federal Deposit Insurance Corporation ("FDIC"), which requirements are, as a general matter, based on the amount and composition of an institution's assets. Insured institutions in the strongest financial and managerial condition, with a rating of 1 (the highest examination rating of the FDIC under the Uniform Financial Institutions Rating System) are required to maintain Tier 1 capital of not less than 3.0% of total assets (the "leverage capital ratio"). For all other banks, the minimum leverage capital ratio is 4.0%, unless a higher leverage capital ratio is warranted by the particular circumstances or risk profile of the institution.

             At June 30, 2002, the Parent Company exceeded the minimum regulatory capital guidelines imposed by the Federal Reserve Board, which are substantially similar to the requirements of the FDIC, with a Tier 1 capital level of $77.4 million, or 9.95% of average assets, which is well above the required level of $31.1 million, or 4% of average assets. The Parent Company's ratio of Tier 1 capital to risk-weighted assets of 15.79% at June 30, 2002 is also well above the required level of 4%. The Parent Company's ratio of total capital to risk-weighted assets is 16.68%, which is well above the required level of 8%. In addition, Warwick Savings', Warwick Commercial and Towne Center's capital ratios qualify each of them to be treated as "well capitalized" for regulatory purposes. The following table shows Warwick Savings' regulatory capital positions and ratios at June 30, 2002.

The following table shows the Warwick Commercial's regulatory capital positions and ratios as of June 30, 2002.

The following table shows the Towne Center's regulatory capital positions and ratios as of June 30, 2002.

Item 3. Quantitative And Qualitative Disclosures About Market Risk

             Quantitative and qualitative disclosure about market risk is presented at December 31, 2001 in the Company's Annual Report on Form 10-K, which was filed with the Commission on March 15, 2002. There have been no material changes in the Company's market risk at June 30, 2002 as compared to December 31, 2001.

PART II - OTHER INFORMATION

             Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

CERTIFICATION

             Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, each of the undersigned hereby certifies that the accompanying report fully complies with the requirements of Section 13(a) of the Securities Exchange Act of 1934 and that the information contained in such report fairly presents, in all material respects, the financial condition and results of operations of Warwick Community Bancorp, Inc.

INDEX TO EXHIBITS

1. Incorporated herein by reference to the Exhibits to the Company's Registration Statement on Form S-1, filed on September 19, 1997, Registration No. 333-36021.
   
   
2. Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the fiscal year ended May 31, 1998.
   
   
3. Incorporated herein by reference to the Company's definitive Proxy Statement for the Special Meeting of Shareholders held on June 24, 1998.
   
   
4. Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the transition period from June 30, 1998 to December 31, 1998.
   
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5. Incorporated herein by reference to the Company's definitive Proxy Statement for the Special Meeting of Shareholders held on April 20, 1999.
   
   
6. Incorporated herein by reference to the Exhibits to the Company's Registration Statement on Form 8-A, filed on October 18, 2000.
   
   
7. Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2000.
   
   
8. Incorporated herein by reference to the Exhibits to the Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 2001.
   
   
9. Incorporated herein by reference to the Exhibits to the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2001.
   
   
10. Incorporated herein by reference to the Company's definitive Proxy Statement for the Special Meeting of Shareholders held on April 16, 2002.

CERTIFICATION OF PERIODIC REPORT

I, Fred G. Kowal, CEO of Warwick Community Bancorp, Inc. and I, Arthur W. Budich, CFO of Warwick Community Bancorp, Inc.(the "Company"), certify, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350, that:

Dated:     August 8, 2002

_________________________
Fred G. Kowal CEO                 

_________________________
Arthur W. Budich CFO