EXHIBIT 23

CONSENT OF KPMG LLP AS INDEPENDENT AUDITORS
FOR NORTH BAY BANCORP


CONSENT OF INDEPENDENT AUDITORS

To the Audit Committee of the Board of Directors
North Bay Bancorp and Subsidiaries:

We consent to the  incorporation  by  reference in the  registration  statements
(No's.  333-93537,  333-43972  and  333-90006)  on Form S-8 of our report  dated
January  29,  2003,  relating  to the  consolidated  balance  sheet of North Bay
Bancorp and  Subsidiaries  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 North Bay
Bancorp and Subsidiaries.

Our report, dated January 29, 2003, contains an explanatory paragraph indicating
that the consolidated  balance sheet of North Bay Bancorp and Subsidiaries as of
December  31,  2001,   and  the  related   statements  of  income,   changes  in
shareholders'  equity,  and cash flows for the two years then ended were audited
by other auditors who have ceased operations.

/s/ KPMG LLP

San Francisco, California
March 27, 2003