<ARTICLE> 9 <RESTATED> <CIK> 0001034594 <NAME> BAY BANKS OF VIRGINIA, INC. <MULTIPLIER> 1 <CURRENCY> US <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <EXCHANGE-RATE> 1 <CASH> 4,606,369 <INT-BEARING-DEPOSITS> 156,847,867 <FED-FUNDS-SOLD> 162,397 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 52,858,961 <INVESTMENTS-CARRYING> 54,320,178 <INVESTMENTS-MARKET> 52,858,961 <LOANS> 146,148,395 <ALLOWANCE> (1,286,684) <TOTAL-ASSETS> 214,151,947 <DEPOSITS> 178,377,591 <SHORT-TERM> 14,314,248 <LIABILITIES-OTHER> 1,017,985 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,792,808 <OTHER-SE> 15,611,218 <TOTAL-LIABILITIES-AND-EQUITY> 214,151,947 <INTEREST-LOAN> 8,993,440 <INTEREST-INVEST> 2,399,090 <INTEREST-OTHER> 69,096 <INTEREST-TOTAL> 11,461,626 <INTEREST-DEPOSIT> 5,571,585 <INTEREST-EXPENSE> 6,037,324 <INTEREST-INCOME-NET> 5,424,302 <LOAN-LOSSES> 190,000 <SECURITIES-GAINS> (4,875) <EXPENSE-OTHER> 4,796,871 <INCOME-PRETAX> 1,671,399 <INCOME-PRE-EXTRAORDINARY> 1,671,399 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,230,399 <EPS-BASIC> 1.06 <EPS-DILUTED> 1.02 <YIELD-ACTUAL> 3.91 <LOANS-NON> 19,365 <LOANS-PAST> 466,918 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,197,843 <CHARGE-OFFS> 115,213 <RECOVERIES> 14,055 <ALLOWANCE-CLOSE> 1,286,684 <ALLOWANCE-DOMESTIC> 1,286,684 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0