<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> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> SEP-30-1998 <CASH> 9,769 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 13,300 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 17,265 <INVESTMENTS-CARRYING> 26,358 <INVESTMENTS-MARKET> 26,764 <LOANS> 83,745 <ALLOWANCE> 936 <TOTAL-ASSETS> 135,777 <DEPOSITS> 122,382 <SHORT-TERM> 1,219 <LIABILITIES-OTHER> 1,064 <LONG-TERM> 0 <COMMON> 3,622 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 135,777 <INTEREST-LOAN> 6,085 <INTEREST-INVEST> 1,102 <INTEREST-OTHER> 317 <INTEREST-TOTAL> 7,504 <INTEREST-DEPOSIT> 2,524 <INTEREST-EXPENSE> 2,573 <INTEREST-INCOME-NET> 4,931 <LOAN-LOSSES> 99 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,193 <INCOME-PRETAX> 1,362 <INCOME-PRE-EXTRAORDINARY> 1,362 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 884 <EPS-PRIMARY> 0.82 <EPS-DILUTED> 0.69 <YIELD-ACTUAL> 5.86 <LOANS-NON> 138 <LOANS-PAST> 18 <LOANS-TROUBLED> 469 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1000 <CHARGE-OFFS> 169 <RECOVERIES> 6 <ALLOWANCE-CLOSE> 936 <ALLOWANCE-DOMESTIC> 936 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 77