Consent of Independent Auditors


The Board of Directors
SJNB Financial Corp.

We consent to the  incorporation  by  reference in the  registration  statements
(Nos.  33-31392 and 333-89013) on Form S-8 of SJNB Financial Corp. of our report
dated  January 13, 2000,  relating to the  consolidated  balance  sheets of SJNB
Finanicial  Corp.  and  subsidiary  as of December  31,  1999 and 1998,  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, 1999,  which report appears in the December 31, 1999,
annual report on Form 10-K of SJNB Finanical Corp.


/s/KPMG

San Francisco, California
April 10, 2000