<ARTICLE>          9
<LEGEND>           THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION
                   EXTRACTED FROM BAY COMMERCIAL SERVICES & SUBSIDIARY
                   SECOND QUARTER 1999 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-31-1999
<PERIOD-END>                       JUN-30-1999
<CASH>                                  11,975
<INT-BEARING-DEPOSITS>                       0
<FED-FUNDS-SOLD>                         1,200
<TRADING-ASSETS>                             0
<INVESTMENTS-HELD-FOR-SALE>             19,123
<INVESTMENTS-CARRYING>                  26,794
<INVESTMENTS-MARKET>                    26,871
<LOANS>                                107,892
<ALLOWANCE>                              1,081
<TOTAL-ASSETS>                         150,586
<DEPOSITS>                             136,682
<SHORT-TERM>                               200
<LIABILITIES-OTHER>                        765
<LONG-TERM>                                  0
<COMMON>                                 4,802
<PREFERRED-MANDATORY>                        0
<PREFERRED>                                  0
<OTHER-SE>                                   0
<TOTAL-LIABILITIES-AND-EQUITY>         150,586
<INTEREST-LOAN>                          4,462
<INTEREST-INVEST>                          880
<INTEREST-OTHER>                            66
<INTEREST-TOTAL>                         5,408
<INTEREST-DEPOSIT>                       1,774
<INTEREST-EXPENSE>                       1,795
<INTEREST-INCOME-NET>                    3,613
<LOAN-LOSSES>                              101
<SECURITIES-GAINS>                           0
<EXPENSE-OTHER>                          2,946
<INCOME-PRETAX>                          1,040
<INCOME-PRE-EXTRAORDINARY>               1,040
<EXTRAORDINARY>                              0
<CHANGES>                                    0
<NET-INCOME>                               667
<EPS-BASIC>                             0.54
<EPS-DILUTED>                             0.51
<YIELD-ACTUAL>                            5.46
<LOANS-NON>                                 27
<LOANS-PAST>                                 0
<LOANS-TROUBLED>                           469
<LOANS-PROBLEM>                              0
<ALLOWANCE-OPEN>                           980
<CHARGE-OFFS>                                3
<RECOVERIES>                                 3
<ALLOWANCE-CLOSE>                        1,081
<ALLOWANCE-DOMESTIC>                     1,081
<ALLOWANCE-FOREIGN>                          0
<ALLOWANCE-UNALLOCATED>                      0