EXHIBIT 23.5

                  CONSENT OF SANDLER O'NEILL & PARTNERS, L.P.

     We hereby consent to the inclusion of our opinion letter to the Board of
Directors of SJNB Financial Corp. (the "Company") as an Annex to the Joint Proxy
Statement/Prospectus relating to the proposed merger of Saratoga Bancorp with
and into the Company contained in the Registration Statement on Form S-4 as
filed with the Securities and Exchange Commission on the date hereof, and to the
references to our firm and such opinion in such Joint Proxy Statement/
Prospectus. In giving such consent, we do not admit that we come within the
category of persons whose consent is required under Section 7 of the Securities
Act of 1933, as amended (the "Act"), or the rules and regulations of the
Securities and Exchange Commission thereunder (the "Regulations"), nor do we
admit that we are experts with respect to any part of such Registration
Statement within the meaning of the term "experts" as used in the Act or the
Regulations.


                                        /s/ SANDLER O'NEILL & PARTNERS, L.P.

October 27, 1999