Exhibit 99.1

          THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS
                            OF SJNB FINANCIAL CORP.

The undersigned acknowledges receipt of the Notice of Special Meeting of
Shareholders of SJNB Financial Corp., a California corporation, and the
accompanying joint proxy statement/prospectus dated October __, 1999, and
revoking any proxy heretofore given, hereby constitutes and appoints Douglas L.
Shen, Diane P. Rubino and F. Jack Gorry, and any of them, with full power of
substitution, as attorneys and proxies to appear and vote all of the shares of
Common Stock of SJNB Financial Corp. standing in the name of the undersigned
which the undersigned could vote if personally present and acting at the Special
Meeting of Shareholders of SJNB Financial Corp. to be held at San Jose National
Bank, One North Market Street, San Jose, California on December 13, 1999 at
10:00 a.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 joint proxy statement/prospectus.


1.   Approval of Merger Agreement. To consider and vote upon a proposal to
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     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 by the merger agreement, including the
     resulting issuance of shares of SJNB Financial Corp. common stock in
     connection with the merger of Saratoga Bancorp into SJNB Financial Corp.


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

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

THIS PROXY IS SOLICITED BY AND 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.