EXHIBIT 23.1


KPMG Peat Marwick LLP
50 W. San Fernando Street
San Jose, CA 95113


July 24, 1996



The Board of Directors
SJNB Financial Corp.

Consent of Independent Auditors


We consent to incorporation  by reference in the registration  statement on Form
S-8 of SJNB  Financial  Corp. of our report dated January 10, 1996,  relating to
the  consolidated  balance sheets of SJNB  Financial  Corp. and subsidiary as of
December 31, 1995 and 1994, and the related  consolidated  statements of income,
shareholders'  equity  and cash  flows for the years then  ended,  which  report
appears in the December 31, 1995 annual report on Form 10-KSB of SJNB  Financial
Corp.

S/KPMG Peat Marwick, LLP

San Jose, California
July 26, 1996