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<TABLE> <S> <C>
<ARTICLE> 9
<CIK> 0000275119
<NAME> BAYLAKE CORP
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 20,951
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 129,256
<INVESTMENTS-CARRYING> 16,563
<INVESTMENTS-MARKET> 16,474
<LOANS> 514,680
<ALLOWANCE> 7,958
<TOTAL-ASSETS> 719,908
<DEPOSITS> 518,405
<SHORT-TERM> 142,531
<LIABILITIES-OTHER> 5,830
<LONG-TERM> 5,111
0
0
<COMMON> 37,337
<OTHER-SE> 10,694
<TOTAL-LIABILITIES-AND-EQUITY> 719,908
<INTEREST-LOAN> 21,687
<INTEREST-INVEST> 4,609
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 26,296
<INTEREST-DEPOSIT> 10,999
<INTEREST-EXPENSE> 14,505
<INTEREST-INCOME-NET> 11,791
<LOAN-LOSSES> 210
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 8,989
<INCOME-PRETAX> 4,726
<INCOME-PRE-EXTRAORDINARY> 3,298
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,298
<EPS-BASIC> .44
<EPS-DILUTED> .43
<YIELD-ACTUAL> 8.74
<LOANS-NON> 9,030
<LOANS-PAST> 0
<LOANS-TROUBLED> 4,354
<LOANS-PROBLEM> 8,973
<ALLOWANCE-OPEN> 7,611
<CHARGE-OFFS> 280
<RECOVERIES> 417
<ALLOWANCE-CLOSE> 7,958
<ALLOWANCE-DOMESTIC> 7,958
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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