<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