<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE PENINSULA BANK OF COMMERCE FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THOSE FINANCIAL STATEMENTS. </LEGEND> <PERIOD-TYPE> 9-MOS 9-MOS <FISCAL-YEAR-END> DEC-31-1997 DEC-31-1996 <PERIOD-START> JAN-01-1996 JAN-01-1995 <PERIOD-END> SEP-30-1997 SEP-30-1996 <CASH> 5,722,410 5,552,006 <INT-BEARING-DEPOSITS> 0 0 <FED-FUNDS-SOLD> 5,500,000 13,100,000 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 104,891,116 111,634,493 <INVESTMENTS-CARRYING> 7,160,523 6,210,549 <INVESTMENTS-MARKET> 7,200,523 6,240,526 <LOANS> 79,700,244 65,563,066 <ALLOWANCE> 1,455,831 1,377,868 <TOTAL-ASSETS> 206,165,290 204,320,630 <DEPOSITS> 188,285,990 188,534,543 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 1,934,007 2,512,919 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 7,408,092 7,141,148 <OTHER-SE> 8,537,201 6,132,020 <TOTAL-LIABILITIES-AND-EQUITY> 206,165,290 204,320,630 <INTEREST-LOAN> 6,137,531 4,952,894 <INTEREST-INVEST> 4,774,346 950,147 <INTEREST-OTHER> 261,001 388,595 <INTEREST-TOTAL> 11,172,878 6,291,636 <INTEREST-DEPOSIT> 4,322,461 1,917,081 <INTEREST-EXPENSE> 4,322,461 1,917,081 <INTEREST-INCOME-NET> 6,850,417 4,374,555 <LOAN-LOSSES> 105,000 135,000 <SECURITIES-GAINS> 0 0 <EXPENSE-OTHER> 2,916,352 2,652,991 <INCOME-PRETAX> 4,154,551 1,901,417 <INCOME-PRE-EXTRAORDINARY> 4,154,551 1,901,417 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 2,572,921 1,225,867 <EPS-PRIMARY> 3.65 1.85 <EPS-DILUTED> 3.65 1.85 <YIELD-ACTUAL> 3.48 4.74 <LOANS-NON> 244,000 1,561,000 <LOANS-PAST> 0 0 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 3,581,938 4,530,775 <ALLOWANCE-OPEN> 1,377,868 1,057,018 <CHARGE-OFFS> 27,037 69,000 <RECOVERIES> 0 268,605 <ALLOWANCE-CLOSE> 1,455,831 1,391,623 <ALLOWANCE-DOMESTIC> 1,183,480 947,035 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 272,351 444,588