EXHIBIT 23.1

                        Consent of Independent Auditors
                        -------------------------------

The Board of Directors
Civic BanCorp:

We consent to incorporation by reference in the registration statements 
(No. 33-94566 and 33-65309) on Form S-8 of Civic BanCorp of our report dated 
January 17, 1996, relating to the consolidated balance sheets of Civic BanCorp 
and subsidiary as of December 31, 1995 and 1994, and the related consolidated 
statements of operations, changes in shareholders' equity, and cash flows for 
each of the years in the two-year period ended December 31, 1995, which report 
appears in the December 31, 1995 annual report on Form 10-K of Civic BanCorp.


                                        /s/ KPMG Peat Marwick LLP

San Francisco, California
March 28, 1996