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 refernce to our firm 
under the caption "Experts".


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

San Diego, California
May 26, 1995