<ARTICLE> 9 <LEGEND> (Replace this text with the legend) </LEGEND> <CIK> 0000721161 <NAME> SJNB FINANCIAL CORP. <MULTIPLIER> 1,000 <CURRENCY> US DOLLARS <PERIOD-TYPE> Year <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <EXCHANGE-RATE> 1,000 <CASH> 11180 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 5650 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 63474 <INVESTMENTS-CARRYING> 9042 <INVESTMENTS-MARKET> 8242 <LOANS> 326961 <ALLOWANCE> (5284) <TOTAL-ASSETS> 425947 <DEPOSITS> 370742 <SHORT-TERM> 10997 <LIABILITIES-OTHER> 5058 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15796 <OTHER-SE> 22033 <TOTAL-LIABILITIES-AND-EQUITY> 425947 <INTEREST-LOAN> 28915 <INTEREST-INVEST> 8607 <INTEREST-OTHER> (50) <INTEREST-TOTAL> 37472 <INTEREST-DEPOSIT> 10554 <INTEREST-EXPENSE> 11138 <INTEREST-INCOME-NET> 26334 <LOAN-LOSSES> 495 <SECURITIES-GAINS> (51) <EXPENSE-OTHER> 12991 <INCOME-PRETAX> 9792 <INCOME-PRE-EXTRAORDINARY> 9792 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5808 <EPS-BASIC> 2.45 <EPS-DILUTED> 2.31 <YIELD-ACTUAL> 0.602 <LOANS-NON> 1395 <LOANS-PAST> 16 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 377 <ALLOWANCE-OPEN> 4778 <CHARGE-OFFS> 152 <RECOVERIES> 163 <ALLOWANCE-CLOSE> 5284 <ALLOWANCE-DOMESTIC> 5166 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 118