<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM BAY COMMERCIAL SERVICES FIRST QUARTER 1998 10QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 14,150 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 8,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 11,482 <INVESTMENTS-CARRYING> 19,472 <INVESTMENTS-MARKET> 19,576 <LOANS> 79,715 <ALLOWANCE> 1,005 <TOTAL-ASSETS> 123,860 <DEPOSITS> 111,302 <SHORT-TERM> 1,192 <LIABILITIES-OTHER> 916 <LONG-TERM> 0 <COMMON> 3,680 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 123,860 <INTEREST-LOAN> 1,935 <INTEREST-INVEST> 339 <INTEREST-OTHER> 55 <INTEREST-TOTAL> 2,329 <INTEREST-DEPOSIT> 774 <INTEREST-EXPENSE> 792 <INTEREST-INCOME-NET> 1,537 <LOAN-LOSSES> 10 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,387 <INCOME-PRETAX> 388 <INCOME-PRE-EXTRAORDINARY> 388 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 254 <EPS-PRIMARY> 0.24 <EPS-DILUTED> 0.20 <YIELD-ACTUAL> 6.00 <LOANS-NON> 395 <LOANS-PAST> 299 <LOANS-TROUBLED> 469 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1000 <CHARGE-OFFS> 5 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1005 <ALLOWANCE-DOMESTIC> 1005 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 190