EXHIBIT 23.2

                       CONSENT OF INDEPENDENT ACCOUNTANTS

We consent to the incorporation by reference in Registration Statements No. 33-
17368, No. 33-17369  and No. 33-31193 of Cupertino National Bancorp on Forms S-8
of our report dated January 18, 1994, included in this Annual Report on Form 10-
K of Cupertino National Bancorp for the year ended December 31, 1994.



/s/ DELOITTE & TOUCHE LLP

San Jose, California
March 28, 1995