<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> JUN-30-1999 <PERIOD-END> SEP-30-1999 <EXCHANGE-RATE> 1,000 <CASH> 14,937 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 9,745 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 52,890 <INVESTMENTS-CARRYING> 10,165 <INVESTMENTS-MARKET> 9,865 <LOANS> 310,641 <ALLOWANCE> 5,152 <TOTAL-ASSETS> 407,511 <DEPOSITS> 337,218 <SHORT-TERM> 29,057 <LIABILITIES-OTHER> 6,126 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,917 <OTHER-SE> 21,193 <TOTAL-LIABILITIES-AND-EQUITY> 407,511 <INTEREST-LOAN> 7,629 <INTEREST-INVEST> 1,130 <INTEREST-OTHER> (14) <INTEREST-TOTAL> 8,745 <INTEREST-DEPOSIT> 2,777 <INTEREST-EXPENSE> 3,016 <INTEREST-INCOME-NET> 5,729 <LOAN-LOSSES> 150 <SECURITIES-GAINS> (51) <EXPENSE-OTHER> 3,347 <INCOME-PRETAX> 2,531 <INCOME-PRE-EXTRAORDINARY> 2,531 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,498 <EPS-BASIC> 0.64 <EPS-DILUTED> 0.60 <YIELD-ACTUAL> .060 <LOANS-NON> 294 <LOANS-PAST> 942 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,778 <CHARGE-OFFS> 27 <RECOVERIES> 151 <ALLOWANCE-CLOSE> 5,152 <ALLOWANCE-DOMESTIC> 5,152 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 62