<ARTICLE> 9 <LEGEND> (Replace this text with the legend) </LEGEND> <CIK> 0000721161 <NAME> SJNB Financial Corp. <PERIOD-TYPE> 3-mos <FISCAL-YEAR-END> Dec-31-1997 <PERIOD-START> Jan-1-1998 <PERIOD-END> Mar-31-1998 <CASH> 18,917 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 16,100 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 49,022 <INVESTMENTS-CARRYING> 13,422 <INVESTMENTS-MARKET> 13,506 <LOANS> 225,192 <ALLOWANCE> 4,543 <TOTAL-ASSETS> 331,561 <DEPOSITS> 285,425 <SHORT-TERM> 5,000 <LIABILITIES-OTHER> 6,464 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 19,208 <OTHER-SE> 15,464 <TOTAL-LIABILITIES-AND-EQUITY> 331,561 <INTEREST-LOAN> 6,115 <INTEREST-INVEST> 1,067 <INTEREST-OTHER> (2) <INTEREST-TOTAL> 7,180 <INTEREST-DEPOSIT> 2,057 <INTEREST-EXPENSE> 2,215 <INTEREST-INCOME-NET> 4,965 <LOAN-LOSSES> 0 <SECURITIES-GAINS> (8) <EXPENSE-OTHER> 2,779 <INCOME-PRETAX> 2,462 <INCOME-PRE-EXTRAORDINARY> 2,462 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,435 <EPS-PRIMARY> 0.57 <EPS-DILUTED> 0.54 <YIELD-ACTUAL> 0.066 <LOANS-NON> 472 <LOANS-PAST> 52 <LOANS-TROUBLED> 54 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,493 <CHARGE-OFFS> 0 <RECOVERIES> 50 <ALLOWANCE-CLOSE> 4,543 <ALLOWANCE-DOMESTIC> 4,543 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 627