<ARTICLE> 9 <LEGEND> </LEGEND> <CIK> 0000721161 <NAME> SJNB FINANCIAL CORP. <MULTIPLIER> 1,000 <CURRENCY> US DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <EXCHANGE-RATE> 1,000 <CASH> 24,529 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 29,757 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 87,715 <INVESTMENTS-CARRYING> 21,954 <INVESTMENTS-MARKET> 20,998 <LOANS> 403,095 <ALLOWANCE> 6,551 <TOTAL-ASSETS> 616,334 <DEPOSITS> 523,712 <SHORT-TERM> 12,411 <LIABILITIES-OTHER> 4,631 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 20,990 <OTHER-SE> 31,989 <TOTAL-LIABILITIES-AND-EQUITY> 616,334 <INTEREST-LOAN> 10,334 <INTEREST-INVEST> 2,188 <INTEREST-OTHER> 2 <INTEREST-TOTAL> 12,524 <INTEREST-DEPOSIT> 4,198 <INTEREST-EXPENSE> 4,728 <INTEREST-INCOME-NET> 7,796 <LOAN-LOSSES> 250 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,450 <INCOME-PRETAX> 603 <INCOME-PRE-EXTRAORDINARY> 603 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 315 <EPS-BASIC> 0.09 <EPS-DILUTED> 0.08 <YIELD-ACTUAL> .057 <LOANS-NON> 1,352 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,778 <CHARGE-OFFS> 27 <RECOVERIES> 151 <ALLOWANCE-CLOSE> 5,152 <ALLOWANCE-DOMESTIC> 5,152 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,367