EXHIBIT 23.1
 
The Board of Directors
Civic BanCorp:

We consent to incorporation by reference in the registration statements 
(Nos.33-94566 and 33-65309) on Form S-8 of Civic BanCorp of our report dated 
January 20, 1999, relating to the consolidated balance sheets of Civic BanCorp 
and subsidiary as of December 31, 1998, and 1997, and the related consolidated 
statements of income, comprehensive income, changes in shareholders' equity, and
cash flows for each of the years in the three-year period ended December 31, 
1998, which report appears in the December 31, 1998, annual report on Form 10-K 
of Civic BanCorp.

/S/ KPMG LLP


Oakland, California
March 15, 1999