<ARTICLE> 9 <LEGEND> THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SDNB FINANCIAL CORP REPORT ON FORM 10K FOR THE FISCAL YEAR ENDED DECEMBER 31, 1994 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1994 <PERIOD-END> DEC-31-1994 <CASH> 11,936 <INT-BEARING-DEPOSITS> 1,381 <FED-FUNDS-SOLD> 24,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 9,910 <INVESTMENTS-CARRYING> 17,321 <INVESTMENTS-MARKET> 16,641 <LOANS> 97,058 <ALLOWANCE> 2,148 <TOTAL-ASSETS> 173,185 <DEPOSITS> 138,276 <SHORT-TERM> 14,829 <LIABILITIES-OTHER> 953 <LONG-TERM> 10,158 <COMMON> 14,585 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> (5,616) <TOTAL-LIABILITIES-AND-EQUITY> 173,185 <INTEREST-LOAN> 9,500 <INTEREST-INVEST> 1,586 <INTEREST-OTHER> 732 <INTEREST-TOTAL> 11,818 <INTEREST-DEPOSIT> 2,497 <INTEREST-EXPENSE> 2,906 <INTEREST-INCOME-NET> 8,912 <LOAN-LOSSES> 1,850 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,865 <INCOME-PRETAX> (156) <INCOME-PRE-EXTRAORDINARY> (159) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (159) <EPS-PRIMARY> (0.10) <EPS-DILUTED> (0.10) <YIELD-ACTUAL> 5.35 <LOANS-NON> 6,046 <LOANS-PAST> 20 <LOANS-TROUBLED> 2,316 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,522 <CHARGE-OFFS> 2,362 <RECOVERIES> 138 <ALLOWANCE-CLOSE> 2,148 <ALLOWANCE-DOMESTIC> 1,826 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 322