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 
15, 1997, relating to the consolidated balance sheets of Civic BanCorp and 
subsidiary as of December 31, 1996, and 1995, and the related consolidated 
statements of operations, changes in shareholders' equity, and cash flows for 
each of the years in the three-year period ended December 31, 1996, which report
appears in the December 31, 1996 annual report on Form 10-K of Civic BanCorp.



San Francisco, California
March 19, 1997