WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE. <ARTICLE> 9 <CIK> 0000721161 <NAME> SJNB FINANCIAL CORP. <MULTIPLIER> 1 <CURRENCY> US DOLLARS <PERIOD-TYPE> 3-mos <FISCAL-YEAR-END> Dec-31-1997 <PERIOD-START> Jan-01-1997 <PERIOD-END> Mar-31-1997 <EXCHANGE-RATE> 1 <CASH> 16,844 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 27,619 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 47,457 <INVESTMENTS-CARRYING> 15,090 <INVESTMENTS-MARKET> 15,091 <LOANS> 204,164 <ALLOWANCE> 4,015 <TOTAL-ASSETS> 320,731 <DEPOSITS> 278,397 <SHORT-TERM> 6,580 <LIABILITIES-OTHER> 5,911 <LONG-TERM> 0 <COMMON> 19,064 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 10,779 <TOTAL-LIABILITIES-AND-EQUITY> 320,731 <INTEREST-LOAN> 5,074 <INTEREST-INVEST> 244 <INTEREST-OTHER> (2) <INTEREST-TOTAL> 5,316 <INTEREST-DEPOSIT> 1,883 <INTEREST-EXPENSE> 2,124 <INTEREST-INCOME-NET> 3,192 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,387 <INCOME-PRETAX> 2,089 <INCOME-PRE-EXTRAORDINARY> 2,089 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,205 <EPS-PRIMARY> .45 <EPS-DILUTED> .45 <YIELD-ACTUAL> .061 <LOANS-NON> 1,149 <LOANS-PAST> 1 <LOANS-TROUBLED> 79 <LOANS-PROBLEM> 536 <ALLOWANCE-OPEN> 4,005 <CHARGE-OFFS> 0 <RECOVERIES> 10 <ALLOWANCE-CLOSE> 4,015 <ALLOWANCE-DOMESTIC> 4,015 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNA^^^|^TED> 627