INDEPENDENT AUDITORS' CONSENT



The Board of Directors
FNB Bancorp:


We consent to the incorporation by reference in the registration statements (No.
333-91596 and 333-98293) on Forms S-8 of our report dated February 28, 2003,
relating to the consolidated balance sheet of FNB Bancorp and Subsidiary as of
December 31, 2002 and the related consolidated statements of income, and changes
in shareholders' equity and comprehensive income, and cash flows for the year
ended December 31, 2002, which report appears in the December 31, 2002, annual
report on Form 10-K of FNB Bancorp.






/s/ KPMG LLP

San Francisco, California
March 27, 2003


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