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