<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