<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