Exhibit 23(a)





                     CONSENT OF INDEPENDENT ACCOUNTANTS


     We consent to the incorporation by reference in the registration 
statement of SDNB Financial Corp. (the "Company") on Form S-3 of our report,
which includes an explanatory paragraph related to the outcome of litigation,
dated February 17, 1995, on our audits of the consolidated financial
statements of the Company as of December 31, 1994 and 1993, and for each of 
the three years in the period ended December 31, 1994, which report is 
included in the Company's Annual Report on Form 10-K for the year ended
December 31, 1994.  We also consent to the reference to our firm under
the caption "Experts."




                                          /s/ COOPERS & LYBRAND L.L.P.

San Diego, California
May 26, 1995