Exhibit 23.2

       Consent of Arthur Andersen LLP as an independent public accountants
                   for North Bay Bancorp and The Vintage Bank.






                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANT

         As independent public accountants,  we hereby consent to the use of our
report dated  February 23, 1999 related to financial  statements  of The Vintage
Bank and to all references to our Firm in the Form SB-2  registration  statement
of North Bay Bancorp.

                                           /s/ Arthur Andersen LLP

San Francisco, California
December 21, 1999