<ARTICLE>                                                                 9
<LEGEND>   THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE CONSOLIDATED BALANCE SHEET AND RELATED CONSOLIDATED STATEMENTS OF
INCOME, CHANGES IN SHAREHOLDERS' EQUITY AND CASH FLOWS, OF SHORELINE
FINANCIAL CORPORATION AND ITS SUBSIDIARY AS OF AND FOR THE YEAR ENDED DECEMBER
31, 1994, AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER>                                                          1,000
       
                                                            
<PERIOD-TYPE>                                                          YEAR
<FISCAL-YEAR-END>                                               Dec-31-1994
<PERIOD-END>                                                    Dec-31-1994
<CASH>                                                               31,288
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                     20,350 
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                          81,176
<INVESTMENTS-CARRYING>                                               48,474
<INVESTMENTS-MARKET>                                                 47,949
<LOANS>                                                             436,529
<ALLOWANCE>                                                           5,952
<TOTAL-ASSETS>                                                      633,854
<DEPOSITS>                                                          566,096
<SHORT-TERM>                                                          2,875
<LIABILITIES-OTHER>                                                   3,674
<LONG-TERM>                                                           5,000
<COMMON>                                                                  0
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<OTHER-SE>                                                           56,208
<TOTAL-LIABILITIES-AND-EQUITY>                                      633,854
<INTEREST-LOAN>                                                      35,625
<INTEREST-INVEST>                                                     7,875
<INTEREST-OTHER>                                                        571
<INTEREST-TOTAL>                                                     44,071
<INTEREST-DEPOSIT>                                                   18,375
<INTEREST-EXPENSE>                                                   18,715
<INTEREST-INCOME-NET>                                                25,356
<LOAN-LOSSES>                                                           750
<SECURITIES-GAINS>                                                    (165)
<EXPENSE-OTHER>                                                      19,721
<INCOME-PRETAX>                                                       9,478
<INCOME-PRE-EXTRAORDINARY>                                            9,478
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                          7,198
<EPS-PRIMARY>                                                          1.45
<EPS-DILUTED>                                                          1.45
<YIELD-ACTUAL>                                                         3.76
<LOANS-NON>                                                             802
<LOANS-PAST>                                                            856
<LOANS-TROUBLED>                                                          2
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                      5,586
<CHARGE-OFFS>                                                         1,014
<RECOVERIES>                                                            629
<ALLOWANCE-CLOSE>                                                     5,952
<ALLOWANCE-DOMESTIC>                                                  3,698
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                               2,254