<TABLE> <S> <C>

<ARTICLE>                        9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
BAY COMMERCIAL SERVICES FIRST QUARTER 1998 10QSB AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                               1,000
       
<S>                              <C>
<PERIOD-TYPE>                    3-MOS
<FISCAL-YEAR-END>                                             DEC-31-1998
<PERIOD-END>                                                  MAR-31-1998
<CASH>                                                             14,150
<INT-BEARING-DEPOSITS>                                                  0
<FED-FUNDS-SOLD>                                                    8,400
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                        11,482
<INVESTMENTS-CARRYING>                                             19,472
<INVESTMENTS-MARKET>                                               19,576
<LOANS>                                                            79,715
<ALLOWANCE>                                                         1,005
<TOTAL-ASSETS>                                                    123,860
<DEPOSITS>                                                        111,302
<SHORT-TERM>                                                        1,192
<LIABILITIES-OTHER>                                                   916
<LONG-TERM>                                                             0
<COMMON>                                                            3,680
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<OTHER-SE>                                                              0
<TOTAL-LIABILITIES-AND-EQUITY>                                    123,860
<INTEREST-LOAN>                                                     1,935
<INTEREST-INVEST>                                                     339
<INTEREST-OTHER>                                                       55
<INTEREST-TOTAL>                                                    2,329
<INTEREST-DEPOSIT>                                                    774
<INTEREST-EXPENSE>                                                    792
<INTEREST-INCOME-NET>                                               1,537
<LOAN-LOSSES>                                                          10
<SECURITIES-GAINS>                                                      0
<EXPENSE-OTHER>                                                     1,387
<INCOME-PRETAX>                                                       388
<INCOME-PRE-EXTRAORDINARY>                                            388
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                          254
<EPS-PRIMARY>                                                        0.24
<EPS-DILUTED>                                                        0.20
<YIELD-ACTUAL>                                                       6.00
<LOANS-NON>                                                           395
<LOANS-PAST>                                                          299
<LOANS-TROUBLED>                                                      469
<LOANS-PROBLEM>                                                         0
<ALLOWANCE-OPEN>                                                     1000
<CHARGE-OFFS>                                                           5
<RECOVERIES>                                                            0
<ALLOWANCE-CLOSE>                                                    1005
<ALLOWANCE-DOMESTIC>                                                 1005
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                               190
        

</TABLE>