<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