<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary information extracted from the Bay National
Corporation June 30, 2000 financial statements and is qualified in its entirety
by reference to such financial statements.
</LEGEND>
<CIK> 0001089787
<NAME> Bay National Corporation
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 3,550,432
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 5,046,649
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 117,423
<ALLOWANCE> 0
<TOTAL-ASSETS> 12,775,107
<DEPOSITS> 793,409
<SHORT-TERM> 483,267
<LIABILITIES-OTHER> 226,269
<LONG-TERM> 0
0
0
<COMMON> 12,420
<OTHER-SE> 11,259,742
<TOTAL-LIABILITIES-AND-EQUITY> 12,775,107
<INTEREST-LOAN> 470
<INTEREST-INVEST> 37,999
<INTEREST-OTHER> 190,307
<INTEREST-TOTAL> 228,776
<INTEREST-DEPOSIT> 1,733
<INTEREST-EXPENSE> 3,817
<INTEREST-INCOME-NET> 224,959
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 825,021
<INCOME-PRETAX> (599,739)
<INCOME-PRE-EXTRAORDINARY> (599,739)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (599,739)
<EPS-BASIC> (1.42)
<EPS-DILUTED> (1.42)
<YIELD-ACTUAL> 0.00
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 0
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 0
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>