EXHIBIT 23

CONSENT OF KPMG LLP AS

INDEPENDENT AUDITORS

FOR NORTH BAY BANCORP



CONSENT OF INDEPENDENT AUDITORS

To the Audit Committee of the Board of Directors
North Bay Bancorp and Subsidiaries:


We consent to the  incorporation  by  reference in the  registration  statements
(No's.  333-93537,  333-43972  and  333-90006)  on Form S-8 of our report  dated
February  19, 2004,  relating to the  consolidated  balance  sheets of North Bay
Bancorp  and  Subsidiaries  as of  December  31,  2003 and 2002 and the  related
consolidated  income statements,  Statements of changes in shareholders'  equity
and comprehensive  income,  and cash flows for each of the years in the two year
period ended  December 31, 2003,  which report appears in the December 31, 2003,
annual report on Form 10-K of North Bay Bancorp and Subsidiaries.

/s/ KPMG LLP

San Francisco, California
March 26, 2004