Exhibit 99.10





                                  Certification
            Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
          with Respect to the FNB Bancorp Quarterly Report on Form 10-Q
                    for the Quarter ended September 30, 2002



         Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (subsections
(a) and (b) of section 1350, chapter 63 of title 18, United States Code), each
of the undersigned officers of FNB Bancorp, a California corporation (the
"Company"), does hereby certify that:

         1.       The Company's Quarterly Report on Form 10-Q for the quarter
                  ended September 30, 2002 (the "Form 10-Q") fully complies with
                  the requirements of Section 13(a) or 15(d) of the Securities
                  Exchange Act of 1934, as amended; and

         2.       Information contained in the Form 10-Q fairly presents, in all
                  material respects, the financial condition and results of
                  operations of the Company.




Dated: November 12, 2002.              /s/ THOMAS C. MCGRAW
                                       ------------------------------
                                       Thomas C. McGraw
                                       Chief Executive Officer




Dated: November 12, 2002.              /s/ JAMES B. RAMSEY
                                       ------------------------------
                                       James B. Ramsey
                                       Senior Vice President
                                       and Chief Financial Officer

                                       28