Exhibit 23

The Board of Directors
SJNB Financial Corp.:

We consent to incorporation by reference in the registration statement (No.
33-31392) on Form S-8 of SJNB Financial Corp. of our report dated January 14,
1999, relating to the consolidated balance sheets of SJNB Financial Corp. and
subsidiary as of December 31, 1998, and 1997, and the related consolidated
statements of income, shareholders' equity and comprehensive income, and cash
flows for each of the years in the three-year period ended December 31, 1998,
which report appears in the December 31, 1998, annual report on Form 10-K of
SJNB Financial Corp.

/S/ KPMG LLP


Mountain View, California
March 15, 1999