Exhibit 99.19

                                  NEWS RELEASE

           FNB Bancorp Announces Extension of Stock Repurchase Program

        South San Francisco, California: January 28, 2004. FNB Bancorp (Bulletin
Board FNBG), the holding company for First National Bank of Northern California,
today announced that on January 23, 2004, its Board of Directors authorized an
extension of the FNB Bancorp stock repurchase program. The program, as first
adopted on July 25, 2003, called for the repurchase of up to 5% of the company's
outstanding shares of common stock. As of December 31, 2003, a total of 42,660
shares, or approximately 1.69% of the shares outstanding on that date (adjusted
for the stock dividend paid by the FNB Bancorp on December 15, 2003, to
shareholders of record on November 28, 2003), had been repurchased pursuant to
the stock repurchase program. The program (as extended) calls for the further
purchase of 85,285 shares, up to an aggregate limit of five percent (5%) of the
registrant's outstanding shares of common stock. 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 may include block purchases. All shares repurchased
under the program will be retired. The number, price and timing of the
repurchases (including any block purchases) 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.


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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:

FNB BANCORP

Thomas C. McGraw, CEO, (650) 875-4864

James B. Ramsey, (650) 875-4862
Senior Vice President & Chief Financial Officer


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