Exhibit 99.1

                                NORTH BAY BANCORP
                                Napa, California
                                  July 10, 2002

North Bay  Bancorp,  holding  company  for The  Vintage  Bank and  Solano  Bank,
announced completion of a $10 million  participation in a trust preferred pooled
transaction.  The Company's  participation  in the pool was first announced in a
press  release  dated June 6, 2002.  Keefe,  Bruyette & Woods and FTN  Financial
acted as co-placement  agents in the  transaction.  North Bay Bancorp will pay a
variable interest rate on the proceeds at 90-Day LIBOR plus 3.45%,  resulting in
an initial rate of 5.34%.

President & CEO Terry  Robinson noted that the funds from the issue are expected
to  qualify as "Tier I"  capital  for  regulatory  purposes.  "This  transaction
assures us of having adequate capital to support the growth  anticipated for The
Vintage Bank and Solano Bank for several  years  without  diluting the ownership
percentages of existing shareholders," stated Robinson.

North Bay Bancorp is  headquartered  in Napa,  California.  The Vintage Bank has
four offices in Napa  County--three  in the City of Napa and one in St.  Helena.
Solano Bank has four offices in Solano County--Vacaville, Fairfield, Vallejo and
Benicia.  Consolidated  assets of North Bay were  $338  million  as of March 31,
2002.  Stock of North  Bay  Bancorp  is  quoted  on the  Over-The-Counter  (OTC)
Bulletin Board, Symbol NBAN.OB.

--------------------------------------------------------------------------------

This press  release  contains  forward-looking  statements  with  respect to the
financial condition,  results of operation and business of North Bay Bancorp and
its subsidiaries.  These include, but are not limited to, statements that relate
to or are  dependent on estimates or  assumptions  relating to the  prospects of
loan growth,  credit quality and certain operating  efficiencies  resulting from
the  operations  of The  Vintage  Bank and Solano  Bank.  These  forward-looking
statements  involve  certain  risks and  uncertainties.  Factors  that may cause
actual  results  to  differ   materially   from  those   contemplated   by  such
forward-looking  statements include, among others, the following  possibilities:
(1)  competitive   pressure  among  financial   services   companies   increases
significantly;  (2) changes in the interest  rate  environment  reduce  interest
margins; (3) general economic conditions, internationally,  nationally or in the
State of  California  are less  favorable  than  expected;  (4)  legislation  or
regulatory  requirements or changes  adversely  affect the business in which the
combined organization will be engaged; and (5) other risks detailed in the North
Bay Bancorp reports filed with the Securities and Exchange Commission

Questions  regarding  this press release should be directed to Terry L. Robinson
(707) 259-2346.