Exhibit 99.31

NEWS RELEASE
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For Immediate Release                              Contact: Tom McGraw
                                                            650-875-4865

                       FNB Bancorp Declares Stock Dividend


South San Francisco, CA: November 14, 2005: FNB Bancorp (Bulletin Board
FNBG.OB), the holding company for First National Bank of Northern California,
announced that its Board of Directors has declared a stock dividend of
approximately 128,337 shares, payable at the rate of one share of Common Stock
for every twenty (20) shares of Common Stock owned. The stock dividend will be
payable December 16, 2005, to shareholders of record on November 30, 2005.

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