Exhibit 99.14
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                                  NEWS RELEASE
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For Immediate Release                            Contact: Thomas C.  McGraw, CEO
                                                                  (650) 875-4864


                 FNB Bancorp Announces Stock Repurchase Program


     South San Francisco, California: July 25, 2003. FNB Bancorp (Bulletin Board
FNBG), the holding company for First National Bank of Northern California, today
announced that its Board of Directors has authorized a stock repurchase program.
The program calls for the repurchase of up to 5% of the company's outstanding
shares of common stock, or approximately 121,852 shares, based on approximately
2,437,043 shares outstanding as of this date. The repurchases will be made from
time to time by the company in the open market as conditions allow. All such
transactions will be structured to comply with Securities and Exchange
Commission Rule 10b-18 and all shares repurchased under this program will be
retired. The number, price and timing of the repurchases will be at the
company's sole discretion and the program may be re-evaluated periodically,
depending on market conditions, liquidity needs and other factors. The Board of
Directors, based on such re-evaluations, may suspend, terminate, modify or
cancel the program at any time, without notice.

     Thomas C. McGraw, Chief Executive Officer, stated: "This stock repurchase
program currently provides us with an excellent opportunity to utilize our
excess capital."


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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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