Exhibit 99.2


          THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS
                              OF SARATOGA BANCORP


The undersigned acknowledges receipt of the Notice of Special Meeting of
Shareholders of Saratoga Bancorp, a California corporation, and the accompanying
proxy statement/prospectus dated ____________, 1999, and revoking any proxy
heretofore given, hereby constitutes and appoints Richard L. Mount and V. Ronald
Mancuso, and each of them, with full power of substitution, as attorney and
proxy to appear and vote all of the shares of Common Stock of Saratoga Bancorp
standing in the name of the undersigned which the undersigned could vote if
personally present and acting at the Special Meeting of Shareholders of Saratoga
Bancorp to be held in [location] on November __, 1999 at _____ _.m. local time,
or at any adjournments or postponements thereof, upon the following items as set
forth in the Notice of Special Meeting and more fully described in the proxy
statement/prospectus.

1.  Approval of Merger Agreement.  To consider and vote upon a proposal to
    ----------------------------
    approve the Agreement and Plan of Merger, dated as of August 27, 1999, among
    SJNB Financial Corp., Saratoga Bancorp and Saratoga National Bank and the
    transactions contemplated thereby.

          [_]  FOR            [_]  AGAINST             [_]  ABSTAIN

2.  Other Business.  The proxies are authorized to vote in their discretion on
    --------------
    such other matters as may properly come before the meeting or any
    adjournment or postponement thereof.

THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS AND MAY BE REVOKED
PRIOR TO ITS EXERCISE. THIS PROXY, WHEN PROPERLY EXECUTED, WILL BE VOTED IN THE
MANNER HEREIN SPECIFIED BY THE UNDERSIGNED SHAREHOLDER. IF NO DIRECTION IS
INDICATED, THIS PROXY WILL BE VOTED IN FAVOR OF PROPOSAL 1 AND IN ACCORDANCE
WITH THE DISCRETION OF THE PROXIES ON ANY OTHER MATTERS TO COME BEFORE THE
SPECIAL MEETING.

     Number of Common Shares _____          Dated ________________, 1999
     I/We  [_] do or [_] do not
     expect to attend this meeting.         SHAREHOLDER(S)

                                            ___________________________________
                                                        (Signature)



                                            ___________________________________
                                                        (Signature)



                                    (Please mark, date and sign this proxy
                                    exactly as your name appears hereon
                                    and return this proxy promptly in the
                                    enclosed envelope. Executors,
                                    administrators, guardians, officers of the
                                    corporation and others signing in a
                                    fiduciary capacity should state their full
                                    titles as such. If shares are held by joint
                                    tenants or as community property, both
                                    should sign.)


                        DO NOT FOLD, STAPLE OR MUTILATE

WHETHER OR NOT YOU PLAN TO ATTEND THE SPECIAL MEETING, YOU ARE URGED TO MARK,
SIGN, DATE AND PROMPTLY RETURN THIS PROXY, USING THE ENCLOSED ENVELOPE.

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