<ARTICLE> 9

<CIK> 0001034594
<NAME> BAY BANKS OF VIRGINIA, INC.
<MULTIPLIER> 1
<CURRENCY> US

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                       6,927,471
<INT-BEARING-DEPOSITS>                     156,112,100
<FED-FUNDS-SOLD>                             1,803,163
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 52,432,641
<INVESTMENTS-CARRYING>                      54,725,705
<INVESTMENTS-MARKET>                        52,432,641
<LOANS>                                    144,471,130
<ALLOWANCE>                                (1,256,329)
<TOTAL-ASSETS>                             215,282,639
<DEPOSITS>                                 177,333,270
<SHORT-TERM>                                17,418,691
<LIABILITIES-OTHER>                          1,106,390
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     5,792,808
<OTHER-SE>                                  15,468,211
<TOTAL-LIABILITIES-AND-EQUITY>             215,605,948
<INTEREST-LOAN>                              5,881,783
<INTEREST-INVEST>                            1,592,353
<INTEREST-OTHER>                                35,815
<INTEREST-TOTAL>                             7,509,951
<INTEREST-DEPOSIT>                           3,630,824
<INTEREST-EXPENSE>                           3,835,238
<INTEREST-INCOME-NET>                        3,674,713
<LOAN-LOSSES>                                  130,000
<SECURITIES-GAINS>                             (4,400)
<EXPENSE-OTHER>                              3,149,805
<INCOME-PRETAX>                              1,194,061
<INCOME-PRE-EXTRAORDINARY>                   1,194,061
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   860,061
<EPS-BASIC>                                        .74
<EPS-DILUTED>                                      .71
<YIELD-ACTUAL>                                    4.02
<LOANS-NON>                                     36,551
<LOANS-PAST>                                   750,117
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,197,843
<CHARGE-OFFS>                                   74,010
<RECOVERIES>                                     2,496
<ALLOWANCE-CLOSE>                            1,256,329
<ALLOWANCE-DOMESTIC>                         1,256,329
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0