Exhibit 99.7
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                                  NEWS RELEASE
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For Immediate Release                                     Contact: Sue D'Augusta
                                                                    650 875-4860




                   FNB Bancorp Declares Third Quarter Dividend

South San Francisco, CA: October 25, 2002: FNB Bancorp (Bulletin Board FNBG),
the holding company for First National Bank of Northern California, announced
that its Board of Directors has declared a quarterly cash dividend of twelve
cents per share on the Company's Common Stock. The dividend is payable on
November 15, 2002 for shareholders of record on October 31, 2002.


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.

For further information contact:

James B. Ramsey
Senior Vice President & Chief Financial Officer
Tel: (650) 875-4862     Fax: (650) 588-9695


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