<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