<ARTICLE> 9 <LEGEND> </LEGEND> <CIK> 0000721161 <NAME> SJNB Financial Corp. <MULTIPLIER> 1,000 <CURRENCY> US Dollars <PERIOD-TYPE> 6-mos <FISCAL-YEAR-END> Dec-31-1998 <PERIOD-START> Jan-01-1998 <PERIOD-END> Jun-30-1998 <EXCHANGE-RATE> 1.000 <CASH> 21,029 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 18,243 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 45,503 <INVESTMENTS-CARRYING> 12,338 <INVESTMENTS-MARKET> 12,425 <LOANS> 236,282 <ALLOWANCE> 4,540 <TOTAL-ASSETS> 342,609 <DEPOSITS> 298,178 <SHORT-TERM> 5,000 <LIABILITIES-OTHER> 5,683 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 17,174 <OTHER-SE> 16,574 <TOTAL-LIABILITIES-AND-EQUITY> 342,609 <INTEREST-LOAN> 12,155 <INTEREST-INVEST> 2,289 <INTEREST-OTHER> (5) <INTEREST-TOTAL> 14,439 <INTEREST-DEPOSIT> 4,230 <INTEREST-EXPENSE> 4,454 <INTEREST-INCOME-NET> 9,985 <LOAN-LOSSES> 0 <SECURITIES-GAINS> (8) <EXPENSE-OTHER> 5,510 <INCOME-PRETAX> 5,002 <INCOME-PRE-EXTRAORDINARY> 5,002 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,916 <EPS-PRIMARY> 1.16 <EPS-DILUTED> 1.10 <YIELD-ACTUAL> .066 <LOANS-NON> 470 <LOANS-PAST> 149 <LOANS-TROUBLED> 48 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,493 <CHARGE-OFFS> 125 <RECOVERIES> 172 <ALLOWANCE-CLOSE> 4,540 <ALLOWANCE-DOMESTIC> 4,540 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 223