Exhibit 99.16
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                                  NEWS RELEASE
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             FNB Bancorp Appoints New Director, R. Albert Roensch

South San Francisco, California--December 19, 2003: FNB Bancorp (Bulletin Board
FNBG), the holding company for First National Bank of Northern California, is
pleased to announce the appointment of R. Albert Roensch to the Board of
Directors of FNB Bancorp and First National Bank of Northern California. Mr.
Roensch has forty plus years of distinguished experience in the Banking
Industry, including the California Independent Banker's Award for "Banker of the
Year" in 1996 and 1997. Mr. Roensch was also the founding President and CEO of
Pacific Coast Bankers Bank. Michael R. Wyman, Chairman of the Board of First
National Bank of Northern California, commented, "We are very fortunate to have
a talented individual such as Mr. Roensch on our Board. His community banking
experience and his leadership will bring great value to First National Bank of
Northern California." First National Bank of Northern California was established
in 1963 in Daly City, California. Today, the Bank has eleven branches in San
Mateo County and assets of $410,000,000.00 (four hundred ten million dollars).

Cautionary Statement: This release contains certain forward-looking statements
that are subject to risks and uncertainties that could cause actual results to
differ materially from those stated herein. Management's assumptions and
projections are based on their anticipation of future events and actual
performance may differ materially from those projected. Risks and uncertainties
which could impact future financial performance include, among others, (a)
competitive pressures in the banking industry; (b) changes in the interest rate
environment; (c) general economic conditions, either nationally or regionally or
locally, including fluctuations in real estate values; (d) changes in the
regulatory environment; (e) changes in business conditions or the securities
markets and inflation; (f) possible shortages of gas and electricity at utility
companies operating in the State of California, and (g) the effects of
terrorism, including the events of September 11, 2001, and thereafter, and the
conduct of war on terrorism by the United States and its allies. Therefore, the
information set forth herein, together with other information contained in the
periodic reports filed by FNB Bancorp with the Securities and Exchange
Commission, should be carefully considered when evaluating its business
prospects. FNB Bancorp undertakes no obligation to update any forward-looking
statements contained in this release.

Contacts:

            FNB Bancorp
            Tom McGraw, 650-875-4865
            James B. Ramsey, 650-875-4862

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