EXHIBIT 23.1

CONSENT OF INDEPENDENT AUDITORS

We consent to the  incorporation by reference in the  registration  statement on
Form S-8 of SJNB Financial Corp. of our report dated January 14, 1999,  relating
to the consolidated  balance sheets of SJNB Financial Corp. and subsidiary as of
December 31, 1998 and 1997, and the related  consolidated  statements of income,
shareholders'  equity and comprehensive  income,  and cash flows for each of the
years in the three-year  period ended December 31, 1998, which report appears in
the December 31, 1998, annual report on Form 10-K of SJNB Financial Corp.



/s/ KPMG LLP



San Francisco, California
June 14, 1999