Consent of Independent Auditors



The Board of Directors
SJNB Financial Corp.


We consent to the  incorporation by reference in the registration  statements on
Form S-8 (Nos.  33-31392 and  333-89013) of SJNB  Financial  Corp. of our report
dated  January 17,  2001,  relating to the  consolidated  balance sheets of SJNB
Financial Corp. and subsidiary as of December 31, 2000 and 1999, and the related
consolidated  statements  of  income,  shareholders  equity  and  comprehensive
income,  and cash  flows for each of the years in the  three-year  period  ended
December 31,  2000, which report appears in the December 31,  2000 annual report
on Form 10-K/A of SJNB Financial Corp.







s/KPMG LLP
San Francisco, California
April 24, 2001