BAY NATIONAL CORP
10QSB, EX-27, 2000-08-14
NATIONAL COMMERCIAL BANKS
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<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>


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