The Board of Directors
SJNB Financial Corp.:

     We consent to incorporation by reference in the registration statement (No.
     33-31392) on Form S-8 of SJNB Financial  Corp. of our report dated July 15,
     1998,  relating to the consolidated  balance sheets of SJNB Financial Corp.
     and   subsidiary  as  of  December  31,  1997  and  1996  and  the  related
     consolidated statements of income,  shareholders' equity and cash flows for
     each of the years in the three-year  period ended December 31, 1997,  which
     report  appears in the December 31, 1997 annual report on Form 10-K of SJNB
     Financial Corp.

s/KPMG Peat Marwick


San Jose, CA
March 6, 1998