EXHIBIT 23.3



                       CONSENT OF INDEPENDENT ACCOUNTANTS


The Board of Directors
SJNB Financial Corp.:

     We hereby  consent to the  incorporation  by reference in the  Registration
Statement  (No.  333-89013)  on Form S-8 of SJNB  Financial  Corp. of our report
dated  January 14, 1999,  relating to the  consolidated  balance  sheets of SJNB
Finanicial  Corp.  and  subsidiaries  as of December 31, 1998, and 1997, and the
related   consolidated   statements   of   income,   shareholders'   equity  and
comprehensive  income,  and cash  flows for each of the years in the  three-year
period ended  December 31, 1998,  which report appears in the December 31, 1998,
annual report on Form 10-K of SJNB Finanical Corp.


                                  /s/ KPMG LLP


San Francisco, California
February 4, 2000