<ARTICLE>                                            9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL  INFORMATION EXTRACTED FROM CONSOLIDATED
BALANCE  SHEETS OF NORTH BAY BANCORP AS OF  SEPTEMBER  30, 2000 AND 1999 AND THE
RELATED  CONSOLIDATED  STATEMENTS OF INCOME,CHANGES IN SHAREHOLDERS'  EQUITY AND
CASH FLOWS FOR EACH OF THE PERIODS ENDED  SEPTEMBER 30, 2000 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.


                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                              11,708
<INT-BEARING-DEPOSITS>                                 100
<FED-FUNDS-SOLD>                                     7,730
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         49,420
<INVESTMENTS-CARRYING>                               1,353
<INVESTMENTS-MARKET>                                 1,353
<LOANS>                                            149,671
<ALLOWANCE>                                          2,168
<TOTAL-ASSETS>                                     229,917
<DEPOSITS>                                         199,570
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                  2,025
<LONG-TERM>                                          3,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                            19,761
<OTHER-SE>                                           5,561
<TOTAL-LIABILITIES-AND-EQUITY>                     229,917
<INTEREST-LOAN>                                      9,355
<INTEREST-INVEST>                                    2,465
<INTEREST-OTHER>                                       210
<INTEREST-TOTAL>                                    12,030
<INTEREST-DEPOSIT>                                   3,884
<INTEREST-EXPENSE>                                   4,059
<INTEREST-INCOME-NET>                                7,971
<LOAN-LOSSES>                                          280
<SECURITIES-GAINS>                                      (3)
<EXPENSE-OTHER>                                      5,994
<INCOME-PRETAX>                                      3,355
<INCOME-PRE-EXTRAORDINARY>                           3,355
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,050
<EPS-BASIC>                                           1.20
<EPS-DILUTED>                                         1.18
<YIELD-ACTUAL>                                        8.26
<LOANS-NON>                                              0
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,987
<CHARGE-OFFS>                                          102
<RECOVERIES>                                             3
<ALLOWANCE-CLOSE>                                    2,168
<ALLOWANCE-DOMESTIC>                                 2,168
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0