<ARTICLE>                            9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
BAY COMMERCIAL SERVICES SECOND QUARTER 1998 10QSB AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                         1,000
       
                                  
<PERIOD-TYPE>                        6-MOS
<FISCAL-YEAR-END>                    DEC-31-1998
<PERIOD-END>                         JUN-30-1998
<CASH>                                    13,431
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                           6,900
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>               19,544
<INVESTMENTS-CARRYING>                    25,850
<INVESTMENTS-MARKET>                      26,009
<LOANS>                                   80,351
<ALLOWANCE>                                  900
<TOTAL-ASSETS>                           128,993
<DEPOSITS>                               116,080
<SHORT-TERM>                               1,317
<LIABILITIES-OTHER>                          897
<LONG-TERM>                                    0
<COMMON>                                   3,616
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<OTHER-SE>                                     0
<TOTAL-LIABILITIES-AND-EQUITY>           128,993
<INTEREST-LOAN>                            3,971
<INTEREST-INVEST>                            679
<INTEREST-OTHER>                             193
<INTEREST-TOTAL>                           4,843
<INTEREST-DEPOSIT>                         1,624
<INTEREST-EXPENSE>                         1,658
<INTEREST-INCOME-NET>                      3,185
<LOAN-LOSSES>                                 69
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                            2,778
<INCOME-PRETAX>                              858
<INCOME-PRE-EXTRAORDINARY>                   858
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                 557
<EPS-PRIMARY>                               0.52
<EPS-DILUTED>                               0.44
<YIELD-ACTUAL>                              5.91
<LOANS-NON>                                  231
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                             469
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                            1000
<CHARGE-OFFS>                                169
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                            900
<ALLOWANCE-DOMESTIC>                         900
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                       90