<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