Exhibit (10)b

                                 AMENDMENT NO. 1
                                       TO
              SJNB FINANCIAL CORP. 1992 EMPLOYEE STOCK OPTION PLAN

      This Amendment No. 1 to the SJNB Financial Corp. 1992 Employee Stock

Option Plan ("Plan") is adopted by the Board of Directors of SJNB Financial 

Corp. ("Corporation") with reference to the following:

                                    RECITALS:

     A.    The Board of Directors of the Corporation desires to amend the Plan

to increase the number of shares for which options may be granted, subject to

the approval of the shareholders of the Corporation,

     THEREFORE, the Plan is hereby amended as follows:

     1.     Section 2 of the Plan is amended to read in its entirety as follows:

     "2.    STOCK SUBJECT TO OPTION
            "Subject to adjustment as provided in Section 6(g) hereof,
         options under the Plan may be granted to participants by the
         Corporation from time to time to purchase an aggregate of up to two
         hundred, thirty-five thousand (235,000) shares. For purposes of
         calculating the aggregate number of shares of Common Stock which may be
         issued under the Plan:
            "(a) Shares of Common Stock applicable to the unexercised
         portions of options which have terminated or expired may again be made
         subject to options under the Plan, if at such time options may still be
         granted under the Plan; and
            "(b)  All the shares issued (including the shares, if any, withheld
         for tax withholding requirements) shall be counted upon exercise of an
         option, even if shares of Common Stock are delivered to the
         Corporation as payment for the exercise."

     2.     The amendment effected by Section 1 of the Amendment No. 1 shall be

subject to being approved by the shareholders of the Corporation.

     3.     Except as amended herein, the Plan shall remain in full force and

effect.