<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