Exhibit 23(c) CONSENT OF FINANCIAL ADVISOR We consent to the inclusion in the SDNB Financial Corp. Registration Statement on Form S-3 of our Fairness Opinion, and reference to our names and the statements with respect to our firm included in the Registration Statement. Hoefer & Arnett, Incorporated By: /s/ Greg H. Madding Greg H. Madding Partner San Francisco, California March 8, 1995