<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 <INT-BEARING-DEPOSITS> 0 0 <FED-FUNDS-SOLD> 0 0 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 28,606 28,606 <INVESTMENTS-CARRYING> 0 0 <INVESTMENTS-MARKET> 0 0 <LOANS> 111,192 111,192 <ALLOWANCE> 2,693 2,693 <TOTAL-ASSETS> 166,600 166,600 <DEPOSITS> 151,272 151,272 <SHORT-TERM> 0 0 <LIABILITIES-OTHER> 1,561 1,561 <LONG-TERM> 0 0 <COMMON> 16,129 16,129 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <OTHER-SE> (2,362) (2,362) <TOTAL-LIABILITIES-AND-EQUITY> 166,600 166,600 <INTEREST-LOAN> 5,703 2,967 <INTEREST-INVEST> 437 189 <INTEREST-OTHER> 59 19 <INTEREST-TOTAL> 6,199 3,175 <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 <INCOME-PRE-EXTRAORDINARY> 651 532 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 750 532 <EPS-PRIMARY> .34 .24 <EPS-DILUTED> .34 .24 <YIELD-ACTUAL> 6.62 6.48 <LOANS-NON> 6,226 6,226 <LOANS-PAST> 871 871 <LOANS-TROUBLED> 2,275 2,275 <LOANS-PROBLEM> 14,990 14,990 <ALLOWANCE-OPEN> 2,727 2,740 <CHARGE-OFFS> 539 315 <RECOVERIES> 42 33 <ALLOWANCE-CLOSE> 2,693 2,693 <ALLOWANCE-DOMESTIC> 2,693 2,693 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0