<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>                  APR-01-1999
<PERIOD-END>                    JUN-30-1999
<EXCHANGE-RATE>                 1,000
<CASH>                          18,425
<INT-BEARING-DEPOSITS>          0
<FED-FUNDS-SOLD>                12,572
<TRADING-ASSETS>                0
<INVESTMENTS-HELD-FOR-SALE>     56,187
<INVESTMENTS-CARRYING>          10,279
<INVESTMENTS-MARKET>            10,133
<LOANS>                         296,969
<ALLOWANCE>                     4,938
<TOTAL-ASSETS>                  403,640
<DEPOSITS>                      331,125
<SHORT-TERM>                    32,497
<LIABILITIES-OTHER>             5,923
<LONG-TERM>                     0
<PREFERRED-MANDATORY>           0
<PREFERRED>                     0
<COMMON>                        13,840
<OTHER-SE>                      20,225
<TOTAL-LIABILITIES-AND-EQUITY>  403,640
<INTEREST-LOAN>                 6,891
<INTEREST-INVEST>               960
<INTEREST-OTHER>                (6)
<INTEREST-TOTAL>                7,845
<INTEREST-DEPOSIT>              2,533
<INTEREST-EXPENSE>              2,608
<INTEREST-INCOME-NET>           5,237
<LOAN-LOSSES>                   0
<SECURITIES-GAINS>              0
<EXPENSE-OTHER>                 3,171
<INCOME-PRETAX>                 2,331
<INCOME-PRE-EXTRAORDINARY>      2,331
<EXTRAORDINARY>                 0
<CHANGES>                       0
<NET-INCOME>                    1,377
<EPS-BASIC>                   0.59
<EPS-DILUTED>                   0.56
<YIELD-ACTUAL>                  0.592
<LOANS-NON>                     411
<LOANS-PAST>                    0
<LOANS-TROUBLED>                0
<LOANS-PROBLEM>                 0
<ALLOWANCE-OPEN>                4,778
<CHARGE-OFFS>                   26
<RECOVERIES>                    86
<ALLOWANCE-CLOSE>               4,938
<ALLOWANCE-DOMESTIC>            4,938
<ALLOWANCE-FOREIGN>             0
<ALLOWANCE-UNALLOCATED>         426