EXHIBIT 23.2




INDEPENDENT AUDITORS' CONSENT

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.




DELOITTE & TOUCHE LLP

San Jose, California
March 25, 1996