<ARTICLE> 9 <LEGEND> </LEGEND> <CIK> 0000721161 <NAME> SJNB Financial Corp. <MULTIPLIER> 1,000 <CURRENCY> US Dollars <PERIOD-TYPE> 9-mos <FISCAL-YEAR-END> Dec-31-1998 <PERIOD-START> Jan-01-1998 <PERIOD-END> Sep-30-1998 <EXCHANGE-RATE> 1.000 <CASH> 19,552 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 8,796 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 46,863 <INVESTMENTS-CARRYING> 11,492 <INVESTMENTS-MARKET> 11,687 <LOANS> 246,653 <ALLOWANCE> 4,702 <TOTAL-ASSETS> 342,953 <DEPOSITS> 302,163 <SHORT-TERM> 0 <LIABILITIES-OTHER> 6,238 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 16,688 <OTHER-SE> 17,684 <TOTAL-LIABILITIES-AND-EQUITY> 342,953 <INTEREST-LOAN> 18,404 <INTEREST-INVEST> 3,546 <INTEREST-OTHER> (7) <INTEREST-TOTAL> 21,943 <INTEREST-DEPOSIT> 6,594 <INTEREST-EXPENSE> 6,839 <INTEREST-INCOME-NET> 15,104 <LOAN-LOSSES> 150 <SECURITIES-GAINS> (8) <EXPENSE-OTHER> 8,444 <INCOME-PRETAX> 7,287 <INCOME-PRE-EXTRAORDINARY> 7,287 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,241 <EPS-PRIMARY> 1.70 <EPS-DILUTED> 1.61 <YIELD-ACTUAL> 0.065 <LOANS-NON> 388 <LOANS-PAST> 0 <LOANS-TROUBLED> 47 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,493 <CHARGE-OFFS> 125 <RECOVERIES> 184 <ALLOWANCE-CLOSE> 4,702 <ALLOWANCE-DOMESTIC> 4,702 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 125