EXHIBIT 23.2

                   CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS



INDEPENDENT AUDITORS' CONSENT

We consent to the incorporation by reference in this Registration Statement of
SJNB Financial Corp. on Form S-4 of our report dated January 22, 1999, appearing
in the Annual Report on Form 10-K of Saratoga Bancorp for the year ended
December 31, 1998.

We also consent to the references to us under the headings "Selected Historical
and Proforma Financial Data" and "Experts" in the prospectus, which is part of
such Registration Statement.

/s/ Deloitte & Touche LLP
DELOITTE & TOUCHE LLP
San Jose, California
October 12, 1999