<ARTICLE> 9 <CIK> 000721161 <NAME> SJNB FINANCIAL CORP. <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1995 <PERIOD-START> JUL-01-1995 <PERIOD-END> SEP-30-1995 <CASH> 13,326 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 42,135 <INVESTMENTS-CARRYING> 14,858 <INVESTMENTS-MARKET> 15,032 <LOANS> 164,248 <ALLOWANCE> 3,686 <TOTAL-ASSETS> 245,063 <DEPOSITS> 194,975 <SHORT-TERM> 20,938 <LIABILITIES-OTHER> 3,457 <LONG-TERM> 0 <COMMON> 19,481 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 6,212 <TOTAL-LIABILITIES-AND-EQUITY> 245,063 <INTEREST-LOAN> 4,524 <INTEREST-INVEST> 940 <INTEREST-OTHER> 6 <INTEREST-TOTAL> 5,471 <INTEREST-DEPOSIT> 1,610 <INTEREST-EXPENSE> 1,908 <INTEREST-INCOME-NET> 3,563 <LOAN-LOSSES> 180 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,225 <INCOME-PRETAX> 1,436 <INCOME-PRE-EXTRAORDINARY> 1,436 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 807 <EPS-PRIMARY> .32 <EPS-DILUTED> .32 <YIELD-ACTUAL> .065 <LOANS-NON> 921 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 57 <ALLOWANCE-OPEN> 3,604 <CHARGE-OFFS> 125 <RECOVERIES> 27 <ALLOWANCE-CLOSE> 3,686 <ALLOWANCE-DOMESTIC> 3,011 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 675