<ARTICLE> 9 <CIK> 0000721161 <NAME> SJNB FINANCIAL CORP <MULTIPLIER> 1,000 <CURRENCY> US DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JUL-01-2000 <PERIOD-END> SEP-30-2000 <EXCHANGE-RATE> 1,000 <CASH> 24,801 <INT-BEARING-DEPOSITS> 599 <FED-FUNDS-SOLD> 17,915 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 121,525 <INVESTMENTS-CARRYING> 19,203 <INVESTMENTS-MARKET> 18,462 <LOANS> 433,895 <ALLOWANCE> 7,169 <TOTAL-ASSETS> 649,887 <DEPOSITS> 548,639 <SHORT-TERM> 14,602 <LIABILITIES-OTHER> 7,623 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 21,642 <OTHER-SE> 37,010 <TOTAL-LIABILITIES-AND-EQUITY> 649,887 <INTEREST-LOAN> 11,459 <INTEREST-INVEST> 2,736 <INTEREST-OTHER> 5 <INTEREST-TOTAL> 14,200 <INTEREST-DEPOSIT> 5,124 <INTEREST-EXPENSE> 5,681 <INTEREST-INCOME-NET> 8,519 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,423 <INCOME-PRETAX> 4,529 <INCOME-PRE-EXTRAORDINARY> 4,529 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,769 <EPS-BASIC> 0.75 <EPS-DILUTED> 0.72 <YIELD-ACTUAL> 5.72 <LOANS-NON> 943 <LOANS-PAST> 9 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,412 <CHARGE-OFFS> 22 <RECOVERIES> 338 <ALLOWANCE-CLOSE> 7,169 <ALLOWANCE-DOMESTIC> 7,169 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 568