<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