<ARTICLE> 9
<CIK> 0000704693
<NAME> PNB FINANCIAL GROUP
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1995             DEC-31-1995
<PERIOD-START>                             JAN-01-1995             APR-01-1995
<PERIOD-END>                               JUN-30-1995             JUN-30-1995
<CASH>                                           8,565                   8,565
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<INTEREST-DEPOSIT>                               1,538                     838
<INTEREST-EXPENSE>                               1,568                     864
<INTEREST-INCOME-NET>                            4,631                   2,311
<LOAN-LOSSES>                                      463                     235
<SECURITIES-GAINS>                                (44)                    (17)
<EXPENSE-OTHER>                                  5,880                   3,034
<INCOME-PRETAX>                                    651                     532
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<EXTRAORDINARY>                                      0                       0
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<NET-INCOME>                                       750                     532
<EPS-PRIMARY>                                      .34                     .24
<EPS-DILUTED>                                      .34                     .24
<YIELD-ACTUAL>                                    6.62                    6.48
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