<ARTICLE> 9 <LEGEND> </LEGEND> <CIK> 0000721161 <NAME> SJNB FINANCIAL CORP. <MULTIPLIER> 1,000 <CURRENCY> US Dollars <PERIOD-TYPE> 3-mos <FISCAL-YEAR-END> Dec-31-1999 <PERIOD-START> Jan-01-1999 <PERIOD-END> Mar-31-1999 <EXCHANGE-RATE> 1,000 <CASH> 14,098 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 5,974 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 35,439 <INVESTMENTS-CARRYING> 11,239 <INVESTMENTS-MARKET> 11,414 <LOANS> 280,787 <ALLOWANCE> 4,903 <TOTAL-ASSETS> 356,579 <DEPOSITS> 311,766 <SHORT-TERM> 5,000 <LIABILITIES-OTHER> 6,511 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,781 <OTHER-SE> 19,521 <TOTAL-LIABILITIES-AND-EQUITY> 356,579 <INTEREST-LOAN> 6,430 <INTEREST-INVEST> 812 <INTEREST-OTHER> (14) <INTEREST-TOTAL> 7,228 <INTEREST-DEPOSIT> 2,191 <INTEREST-EXPENSE> 2,245 <INTEREST-INCOME-NET> 4,983 <LOAN-LOSSES> 100 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,060 <INCOME-PRETAX> 2,321 <INCOME-PRE-EXTRAORDINARY> 2,321 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,329 <EPS-PRIMARY> 0.55 <EPS-DILUTED> 0.53 <YIELD-ACTUAL> 0.622 <LOANS-NON> 398 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <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> 740