BAY BANCSHARES INC
10QSB, EX-27, 2000-08-11
NATIONAL COMMERCIAL BANKS
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<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          11,639
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                12,422
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     80,393
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                            80,393
<LOANS>                                        204,519
<ALLOWANCE>                                      1,863
<TOTAL-ASSETS>                                 330,156
<DEPOSITS>                                     289,403
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             12,335
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                         2,092
<OTHER-SE>                                      25,326
<TOTAL-LIABILITIES-AND-EQUITY>                 330,156
<INTEREST-LOAN>                                  8,852
<INTEREST-INVEST>                                2,522
<INTEREST-OTHER>                                   279
<INTEREST-TOTAL>                                11,653
<INTEREST-DEPOSIT>                               4,539
<INTEREST-EXPENSE>                                 339
<INTEREST-INCOME-NET>                            6,775
<LOAN-LOSSES>                                      535
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,969
<INCOME-PRETAX>                                  2,304
<INCOME-PRE-EXTRAORDINARY>                       2,304
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,540
<EPS-BASIC>                                       0.77
<EPS-DILUTED>                                     0.74
<YIELD-ACTUAL>                                    8.10
<LOANS-NON>                                          0
<LOANS-PAST>                                        96
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,813
<ALLOWANCE-OPEN>                                 1,985
<CHARGE-OFFS>                                      736
<RECOVERIES>                                        79
<ALLOWANCE-CLOSE>                                1,863
<ALLOWANCE-DOMESTIC>                             1,863
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            540


</TABLE>


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