<ARTICLE>      9
<LEGEND>       THE SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION EXTRACTED
               FROM BAY COMMERCIAL  SERVICES & SUBSIDIARY  FIRST  QUARTER 1999
               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-31-1999
<PERIOD-END>                                   MAR-31-1999
<CASH>                                          8,262
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                5,000
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    27,589
<INVESTMENTS-CARRYING>                         35,152
<INVESTMENTS-MARKET>                           35,258
<LOANS>                                        94,949
<ALLOWANCE>                                     1,020
<TOTAL-ASSETS>                                145,922
<DEPOSITS>                                    133,151
<SHORT-TERM>                                      100
<LIABILITIES-OTHER>                               714
<LONG-TERM>                                         0
<COMMON>                                        4,121
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<OTHER-SE>                                          0
<TOTAL-LIABILITIES-AND-EQUITY>                145,922
<INTEREST-LOAN>                                 2,118
<INTEREST-INVEST>                                 457
<INTEREST-OTHER>                                   26
<INTEREST-TOTAL>                                2,601
<INTEREST-DEPOSIT>                                866
<INTEREST-EXPENSE>                                883
<INTEREST-INCOME-NET>                           1,718
<LOAN-LOSSES>                                      41
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 1,483
<INCOME-PRETAX>                                   436
<INCOME-PRE-EXTRAORDINARY>                        436
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      284
<EPS-PRIMARY>                                    0.24
<EPS-DILUTED>                                    0.22
<YIELD-ACTUAL>                                   5.40
<LOANS-NON>                                        27
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                  469
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  980
<CHARGE-OFFS>                                       3
<RECOVERIES>                                        2
<ALLOWANCE-CLOSE>                                1020
<ALLOWANCE-DOMESTIC>                             1020
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0