<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE REPORT ON FORM 10-Q FOR THE QUARTER ENDED JUNE 30, 1995 FOR SDNB
FINANCIAL CORP. AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995
<PERIOD-END>                               JUN-30-1995             JUN-30-1995
<CASH>                                          13,464                  13,464
<INT-BEARING-DEPOSITS>                           2,671                   2,671
<FED-FUNDS-SOLD>                                 8,500                   8,500
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     12,738                  12,738
<INVESTMENTS-CARRYING>                          13,381                  13,381
<INVESTMENTS-MARKET>                            13,196                  13,196
<LOANS>                                         94,282                  94,282
<ALLOWANCE>                                      2,494                   2,494
<TOTAL-ASSETS>                                 156,296                 156,296
<DEPOSITS>                                     125,298                 125,298
<SHORT-TERM>                                     8,626                   8,626
<LIABILITIES-OTHER>                                800                      80
<LONG-TERM>                                     10,158                  10,158
<COMMON>                                        16,648                  16,648
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<OTHER-SE>                                     (5,234)                 (5,234)
<TOTAL-LIABILITIES-AND-EQUITY>                 156,296                 156,296
<INTEREST-LOAN>                                  2,562                   5,143
<INTEREST-INVEST>                                  418                     805
<INTEREST-OTHER>                                   173                     373
<INTEREST-TOTAL>                                 3,153                   6,321
<INTEREST-DEPOSIT>                                 716                   1,361
<INTEREST-EXPENSE>                                 790                   1,526
<INTEREST-INCOME-NET>                            2,363                   4,795
<LOAN-LOSSES>                                      150                     450
<SECURITIES-GAINS>                                   0                      11
<EXPENSE-OTHER>                                  2,554                   5,078
<INCOME-PRETAX>                                     65                     130
<INCOME-PRE-EXTRAORDINARY>                          65                     130
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                        62                     124
<EPS-PRIMARY>                                     0.03                    0.07
<EPS-DILUTED>                                      003                    0.07
<YIELD-ACTUAL>                                    6.25                    6.40
<LOANS-NON>                                      2,246                   2,246
<LOANS-PAST>                                         6                       6
<LOANS-TROUBLED>                                 2,304                   2,304
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 2,253                   2,148
<CHARGE-OFFS>                                       70                     327
<RECOVERIES>                                       161                     223
<ALLOWANCE-CLOSE>                                2,494                   2,494
<ALLOWANCE-DOMESTIC>                             1,508                   1,508
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            986                     986