EXHIBIT 23.1 INDEPENDENT AUDITORS' CONSENT We consent to the incorporation by reference in Registration Statement No. 33-34674 of Saratoga Bancorp on Form S-8 of our report dated February 2, 1996, appearing in this Annual Report on Form 10-K of Saratoga Bancorp for the year ended December 31, 1995. DELOITTE & TOUCHE LLP San Jose, California March 25, 1996