EXHIBIT 99.1

                              SJNB FINANCIAL CORP.
                           SARATOGA STOCK OPTION PLAN
                                    (AMENDED)


     1. PURPOSE.

     The purpose of this SJNB Financial Corp. Saratoga Stock Option Plan (the
"Plan") is to provide a method whereby those key employees, directors and
consultants of Saratoga Bancorp and its affiliates (hereinafter collectively
referred to as the "Company"), who are primarily responsible for the management
and growth of the Company's business and who are presently making and are
expected to make substantial contributions to the Company's future management
and growth, may be offered incentives in addition to those presently available,
and may be stimulated by increased personal involvement in the fortunes and
success of the Company to continue in its service, thereby advancing the
interests of the Company and its shareholders.

     The word "affiliate," as used in the Plan, means any bank or corporation in
any unbroken chain of banks or corporations beginning or ending with the
Company, if at the time of the granting of an option, each such bank or
corporation other than the last in that chain owns stock possessing fifty
percent (50%) or more of the total combined voting power of all classes of stock
in one of the other banks or corporations in the chain.

     2. ADMINISTRATION.

     The following provisions shall govern the administration of the Plan:

     (a) Subject to paragraphs (b) and (c) below, the Plan shall be administered
by the Board of Directors or a duly appointed committee of the Board consisting
of Non-Employee Directors. The term "Non-Employee Director" as used in the Plan
shall have the meaning set forth in Rule 16b-3 as promulgated by the Securities
and Exchange Commission ("SEC") under Section 16(b) of the Securities Exchange
Act of 1934, as amended (the "Exchange Act"), as such rule may be amended from
time to time, and as interpreted by the SEC ("Rule 16b-3"). The committee
required by this paragraph shall consist of the minimum number of Non-Employee
Directors from time to time required by Rule 16b-3.

     (b) The Board and any such committee is referred to hereinafter as the
"Committee," except where otherwise expressly provided or where the context
requires otherwise. The Board of Directors may from time to time remove members
from or add members to the Committee. Vacancies on the Committee, however
caused, shall be filled by the Board of Directors. The Board of Directors may
designate a Chairman and Vice-Chairman of the Committee from among the Committee
members. Acts of the Committee (i) at a meeting, held at a time and place and in
accordance with rules adopted by the Committee, at which a quorum of the
Committee is present and acting, or (ii) reduced to and approved in writing by
all members of the Committee, shall be the valid acts of the Committee.

     (c) Options granted to employees or directors of the Company subject to
Section 16(b) of the Exchange Act shall be approved by the Committee or shall be
approved or ratified, in compliance with Section 14 of the Exchange Act, by the
affirmative votes of the holders of a majority of the voting securities of the
Company present or represented and entitled to vote at a meeting of shareholders
duly called and hold pursuant to law, provided that any such ratification shall
occur not later than the date of the next annual meeting of shareholders
following the grant.

     (d) The grant of options under the Plan shall be affected by execution of
instruments in writing in a form approved by the Committee. Subject to the
express terms and conditions of the Plan, the Committee shall have full power to
construe the Plan and the terms of any option granted under the Plan, to
prescribe, amend and rescind rules and regulations relating to the Plan or such
options and to make all other determinations necessary or advisable for the
Plan's administration, including, without limitation, the power to (i) determine
which persons meet the

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requirements of Section 3 hereof for selection as participants in the Plan;
(ii) determine to whom of the eligible persons, if any, options shall be granted
under the Plan; (iii) establish the terms and conditions required or permitted
to be included in every option agreement or any amendments thereto, including
whether options to be granted thereunder shall be "incentive stock options," as
defined in Section 422 of the Internal Revenue Code of 1986, as amended (the
"Code") or nonstatutory stock options not described in Section 422; (iv) specify
the number of shares to be covered by each option; (v) determine the fair market
value of shares of the Company's common stock for any purpose under this Plan;
(vi) grant options in exchange for cancellation of options granted earlier at
different exercise prices; (vii) take appropriate action to amend any option
hereunder, provided that no such action may be taken without the written consent
of the affected optionee; and (viii)make all other determinations deemed
necessary or advisable for administering the Plan. The Committee's determination
on the foregoing matters shall be conclusive.

     3. ELIGIBILITY.

     The persons who shall be eligible to receive the discretionary grant of
options under this Plan shall be those key employees and officers of the Company
(including officers who may also be directors of the Company), persons who
became employees of the Company within thirty days of the date of grant of an
option, consultants of the Company who render bona fide services to the Company
other than in connection with the offer or sale of securities in a capital
raising transaction ("Consultants"), and directors. Notwithstanding any other
provision of this Plan no person shall be granted options to purchase more than
an aggregate of 100,000 shares under this Plan.

     4. THE SHARES.

     The shares of stock subject to options authorized to be granted under the
Plan shall consist of three hundred twenty-eight thousand five hundred
eighty-two (328,582) shares of the Company's no par value common stock (the
"Shares"), or the number and kind of shares of stock or other securities which
shall be substituted for such Shares or to which such Shares shall be adjusted
as provided in Section 7 hereof, provided that, such number of Shares shall be
adjusted downward to the extent necessary to conform to the requirements of
Section 260.140.45 of the Rules of the California Commissioner of Corporations,
so that at no time shall the total number of shares issuable upon exercise of
all outstanding options and the total number of shares provided for under any
stock bonus or similar plan of the Company exceed the applicable percentage as
calculated in accordance with the conditions and exclusions of such Rule.

     Upon the expiration or termination for any reason of an outstanding option
under the Plan (or under the Company's expired 1982 Amended Stock Option Plan)
which has not been exercised in full, all unissued Shares thereunder shall again
become available for the grant of options under the Plan. Shares of the
Company's common stock which are (i) delivered by an optionee in payment of the
exercise price of an option pursuant to Section 7(a), or (ii) delivered by an
optionee, or withheld by the Company from the shares otherwise due upon exercise
of a nonstatutory stock option, in satisfaction of applicable withholding taxes
as permitted by Section 7(c) shall again become available for the grant of
options under the Plan only to those eligible participants who are not subject
to Section 16 of the Exchange Act.

     The aggregate amount of Shares subject to options granted to all Non-
Employee Directors as a group (not including such options which terminate
unexercised) shall not exceed fifty percent (50%) of the Shares, as adjusted
pursuant to Section 7.

     5. OPTION GRANTS.

     Options, in the discretion of the Committee, may be granted at any time
prior to the termination of the Plan to persons who are employees of the
Company, including employees who are also directors of the Company, to
Consultants of the Company or to Non-Employee Directors. Options granted by the
Committee shall be subject to the following terms and conditions:

     (a) Grant of Options. Options granted to employees pursuant to the Plan may
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be either incentive stock options or nonstatutory stock options. If the
aggregate fair market value of the shares issuable upon exercise

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of incentive stock options which are exercisable for the first time during
any one calendar year under all incentive stock options held by an optionee
exceeds $100,000 (determined at the time of the grant of the options), such
options shall be treated as nonstatutory stock options to the extent of such
excess. Options granted to Non-Employee Directors and to Consultants shall be
nonstatutory stock options.

     (b) Option Price. The purchase price under each option shall not be less
         ------------
than one hundred percent of the fair market value of the Shares subject thereto
on the date the option is granted; provided, however, that the purchase price of
an option granted to an individual who owns stock possessing more than ten
percent of the total combined voting power of all classes of stock of the
Company shall not be less than one hundred ten percent of the fair market value
of the Shares subject thereto on the date the option is granted. For any
purposes under this Plan, fair market value per share shall mean, where there is
a public market for the Company's common stock, the mean of the bid and asked
prices (or the closing price if listed on a stock exchange or the Nasdaq
National Market) of the Company's common stock for the date of grant, as
reported in the Wall Street Journal (or, if not so reported, as otherwise
reported by the Nasdaq Stock Market or the National Quotation Bureau). If such
information is not available for the date of grant, then such information for
the last preceding date for which such information is available shall be
considered as the fair market value.

     (c) Duration of Options. Each option shall be for a term determined by the
         -------------------
Committee; provided, however, that the term of any option may not exceed ten
years and, provided further, that the term of any incentive stock option granted
to an individual who owns stock possessing more than ten percent of the total
combined voting power of all classes of stock of the Company shall not exceed
five years. Each option shall vest in such manner and at such time as the
Committee shall determine and the Committee may accelerate the time of exercise
of any option; provided, however, that no option shall vest for exercise at a
rate of less than twenty percent per year during the five year period following
the date of grant of an option.

     (d) Termination of Director, Employment or Consultant Status. Upon the
         --------------------------------------------------------
termination of an optionee's status as an employee or Consultant or member of
the Board of Directors of the Company, his or her rights to exercise an option
then held shall be only as follows:

          DEATH OR DISABILITY: If an optionee's employment or consulting
          relationship or tenure on the Board of Directors is terminated
          by death or disability, such optionee or such optionee's
          qualified representative (in the event of the optionee's
          mental disability) or the optionee's estate (in the event of
          optionee's death) shall have the right for a period of twelve
          (12) months (or such longer period as the Committee may
          determine at the date of grant or during the term of the
          option) following the date of such death or disability to
          exercise the option to the extent the optionee was entitled to
          exercise such option on the date of the optionee's death or
          disability; provided the actual date of exercise is in no
          event after the expiration of the term of the option. To the
          extent the option is not exercised within such period the
          option will terminate. An optionee's "estate" shall mean the
          optionee's legal representative or any person who acquires the
          right to exercise an option by reason of the optionee's death.

          CAUSE: If an optionee's employment or consulting relationship
          is terminated because such optionee is determined by the Board
          to have committed an act of embezzlement, fraud, dishonesty,
          breach of fiduciary duty to the Company, or to have
          deliberately disregarded the rules of the Company which
          resulted in loss, damage or injury to the Company, or if an
          optionee makes any unauthorized disclosure of any of the
          secrets or confidential information of the Company, induces
          any client or customer of the Company to break any contract
          with the Company or induces any principal for whom the Company
          acts as agent to terminate such agency relations, or engages
          in any conduct which constitutes unfair competition with the
          Company, or if an optionee is removed from any office of the
          Company by any bank regulatory agency, the optionee shall have
          the right for a period of thirty days to exercise the option
          to the extent the option was exercisable on the date of
          termination; provided that the date of exercise is

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          in no event after the expiration of the term of the option. To
          the extent the option is not exercised within such period
          the option will terminate. In making the determination
          pursuant to this paragraph, the Board shall act fairly and
          shall give the optionee whose employment or Consultant
          status has been terminated an opportunity to appear and be
          heard at a hearing before the full Board and present
          evidence on the optionee's behalf. For the purpose of this
          paragraph, termination of employment or Consultant status
          shall be deemed to occur when the Company dispatches notice
          or advice to the optionee that the optionee's employment or
          status as a Consultant is terminated, and not at the time of
          optionee's receipt thereof.

          OTHER REASONS: If an optionee's employment or consulting
          relationship or tenure on the Board of Directors is terminated
          for any reason other than those mentioned above under "Death
          or Disability" and "Cause," the optionee may, within three
          months (or such longer period as the Committee may determine
          at the date of grant or during the term of the option)
          following such termination, exercise the option to the extent
          such option was exercisable on the date of termination of the
          optionee's employment or status as a Consultant; provided the
          date of exercise is in no event after the expiration of the
          term of the option and provided further that any option which
          is exercised more than three months following termination
          shall be treated as a nonstatutory option whether or not it
          was designated as such at the time it was granted. To the
          extent the option is not exercised within such period the
          option will terminate.

     6. TERMS AND CONDITIONS APPLICABLE TO ALL OPTIONS.

     The following terms and conditions shall apply to all options granted
pursuant to the Plan:

     (a) Exercise of Options. To the extent the right to purchase Shares has
         -------------------
vested under an optionee's stock option agreement, options may be exercised from
time to time by delivering payment therefor in cash, certified check, official
bank check, or the equivalent thereof acceptable to the Company, together with
written notice to the Secretary of the Company, identifying the option or part
thereof being exercised and specifying the number of Shares for which payment is
being tendered. An optionee may also exercise an option by the delivery and
surrender of shares of Company Common Stock which (a) have been owned by the
optionee for at least six months or such other period as the Committee may
require; and (b) have an aggregate fair market value on the date of surrender
equal to the exercise price. In addition, an option may be exercised by
delivering to the Company (i) an exercise notice instructing the Company to
deliver the certificates for the Shares purchased to a designated brokerage firm
and (ii) a copy of irrevocable instructions delivered to the brokerage firm to
sell the Shares acquired upon exercise of the option and to deliver to the
Company from the sale proceeds sufficient cash to pay the exercise price and
applicable withholding taxes arising as a result of the exercise.

     The Company shall deliver to the optionee, which delivery shall be not less
than fifteen (15) days and not more than thirty (30) days after the giving of
such notice, without transfer or issue tax to the optionee (or other person
entitled to exercise the option), at the principal office of the Company, or
such other place as shall be mutually acceptable, a certificate or certificates
for such Shares dated the date the options were validly exercised; provided,
however, that the time of such delivery may be postponed by the Company for such
period as may be required for it with reasonable diligence to comply with any
requirements of law.

     (b) Transferability of Option and Shares. Each option shall be
         ------------------------------------
transferrable only by will or the laws of descent and distribution and shall be
exercisable during the optionee's lifetime only by the optionee, or in the event
of disability, the optionee's qualified representative. In addition, in order
for Shares acquired upon exercise of incentive stock options to receive the tax
treatment afforded such Shares, the Shares may not be disposed of within two
years from the date of the option grant nor within one year after the date of
transfer of such Shares to the optionee.

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     (c) Withholding. The Company shall have the right to condition the issuance
         -----------
of Shares upon exercise of an option upon payment by the optionee of any
applicable taxes required to be withheld under federal, state or local tax laws
or regulations in connection with such exercise. An optionee may elect to pay
such tax by (i) requesting the Company to withhold a sufficient number of Shares
from the total number of Shares issuable upon exercise of the option or (ii)
delivering a sufficient number of shares of Company common stock which have been
held by the optionee for at least six months (or such other period as the
Committee may require) to the Company. The value of shares withheld or delivered
shall be the fair market value of such shares on the date the exercise becomes
taxable as determined by the Committee. Such an election is subject to approval
or disapproval by the Committee, and if the optionee is subject to Section 16 of
the Exchange Act, the timing of the election must satisfy the requirements of
Rule 16b-3.

     (d) Other Terms and Conditions. Options may also contain such other
         --------------------------
provisions, which shall not be inconsistent with any of the foregoing terms, as
the Committee shall deem appropriate. No option, however, nor anything contained
in the Plan, shall confer upon any optionee any right to continue in the employ
or in the status as a director or Consultant of the Company, nor limit in any
way the right of the Company to terminate an optionee's employment or status as
a Consultant at any time.

     7. ADJUSTMENT OF, AND CHANGES IN, THE SHARES.

     (a) Changes in Capitalization. In the event the shares of Common Stock of
         -------------------------
the Company, as presently constituted, shall be changed into or exchanged for a
different number or kind of shares of stock or other securities of the Company
or of another corporation (whether by reason of reorganization, merger,
consolidation, recapitalization, reclassification, stock split, reverse stock
split, combination of shares, or otherwise), or if the number of Shares of
common stock of the Company shall be increased through the payment of a stock
dividend, there shall be substituted for or added to each Share of common stock
of the Company theretofore appropriated or thereafter subject or which may
become subject to an option under the Plan, the number and kind of shares of
stock or other securities into which each outstanding share of common stock of
the Company shall be so changed, or for which each share shall be exchanged, or
to which each such share shall be entitled, as the case may be. In addition,
appropriate adjustment shall be made in the number and kind of Shares as to
which outstanding options, or portions thereof then unexercised, shall be
exercisable, so that any optionee's proportionate interest in the Company by
reason of his or her rights under unexercised portions of such options shall be
maintained as before the occurrence of such event. Such adjustment in
outstanding options shall be made without change in the total price to the
unexercised portion of the option and with a corresponding adjustment in the
option price per share.

     (b) Dissolution, Liquidation, Sale or Merger. In the event of a proposed
         ----------------------------------------
dissolution or liquidation of the Company, options outstanding under the Plan
shall terminate immediately before the consummation of such proposed action. The
Board will, in such circumstances, provide written notice to the optionees of
the expected dates of termination of outstanding options and consummation of the
proposed dissolution or liquidation.

     In the event of a proposed sale of all or substantially all of the assets
of the Company, or the merger of the Company with or into another corporation in
a transaction in which the Company is not the surviving corporation, outstanding
options may be assumed or equivalent options may be substituted by the successor
corporation (or a parent or subsidiary of the successor corporation), unless the
successor corporation does not agree to assume the options or to substitute
equivalent options. If outstanding options are not assumed or substituted by
equivalent options, all outstanding options shall terminate immediately before
the consummation of such sale or merger (subject to the actual consummation of
the sale or merger) and the Company shall provide written notice to the
optionees of the expected dates of termination of the options and consummation
of such transaction. If the transaction is not consummated, unexercised options
shall continue in accordance with their original terms.

     (c) Notice of Adjustments, Fractional Shares. To the extent the foregoing
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adjustments relate to stock or securities of the Company, such adjustments shall
be made by the Committee, whose determination in that respect shall be final,
binding and conclusive. No right to purchase fractional shares shall result from
any adjustment in options pursuant to this Section 8. In case of any such
adjustment, the shares subject to the option shall be rounded down to the
nearest whole share. Notice of any adjustment shall be given by the Company to
each holder of an option which was in fact so adjusted and such adjustment
(whether or not such notice is given) shall be effective and binding for all
purposes of the Plan.

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     No adjustment shall be made for dividends or other rights for which the
record date is prior to the date of such issuance, except as provided in this
Section.

     Any issue by the Company of shares of stock of any class, or securities
convertible into shares of any class, shall not affect the number or price of
shares of common stock subject to the option, and no adjustment by reason
thereof shall be made. The grant of an option pursuant to the Plan shall not
affect in any way the right or power of the Company to make adjustments,
reclassifications, reorganizations or changes of its capital or business
structure or to merge or to consolidate or to dissolve, liquidate or sell, or
transfer all or any part of its business or assets.

     8. AMENDMENT, EFFECTIVENESS AND TERMINATION OF THE PLAN.

     The Board shall have complete power and authority to terminate or amend the
Plan; provided, however, that the Board shall not, without the approval of the
shareholders of the Company, amend the Plan in a manner that requires
shareholder approval for continued compliance with the terms of Rule 16b-3, as
promulgated under the Exchange Act, Section 422 of the Code, any successor
rules, or other regulatory authority. Except as provided in Section 8, no
termination, modification or amendment of the Plan may, without the consent of
the optionee to whom such option was previously granted under the Plan,
adversely affect the rights of such optionee. Any consent required by the
preceding sentence may be obtained in any manner deemed appropriate by the
Committee.

     The Plan became effective upon adoption by the Board of Directors and
approval by the shareholders of the Company at the Company's 1994 annual meeting
of shareholders.

     The Plan, unless sooner terminated, shall terminate on March 18, 2004, ten
years from the date the Plan was originally adopted by the Board. An option may
not be granted under the Plan after the Plan is terminated.

     9. INFORMATION TO OPTIONEES.

     The Company shall provide to each optionee, during the period for which he
or she has one or more outstanding options, copies of all annual reports and all
other information which is provided to shareholders of the Company. The Company
shall not be required to provide such information to key employees whose duties
in connection with the Company assure their access to equivalent information.

     10. PRIVILEGES OF STOCK OWNERSHIP, SECURITIES LAW COMPLIANCE AND NOTICE OF
SALE.

     No optionee shall be entitled to the privileges of stock ownership as to
any Shares not actually issued and delivered to the optionee. The exercise of
any option under the Plan shall be conditioned upon the registration of the
Shares with the SEC and qualification of the options and underlying Shares under
the California securities laws, unless in the opinion of counsel to the Company
such registration or qualification is not necessary. The Company shall
diligently endeavor to comply with all applicable securities laws applicable to
the Plan.

     11. NOTICE OF SALE.

     The optionee shall give the Company notice of any sale or other disposition
of any Shares acquired upon exercise of an incentive stock option not more than
five days after such sale or disposition.

     12. INDEMNIFICATION.

     To the extent permitted by applicable law in effect from time to time, no
member of the Board or the Committee shall be liable for any action or omission
of any other member of the Board or Committee nor for any act or omission on the
member's own part, excepting only the member's own willful misconduct or gross
negligence. The Company shall pay expenses incurred by, and satisfy a judgment
or fine rendered or levied against, a present or former director or member of
the Committee in any action against such person (whether or not the Company is
joined as a party defendant) to impose liability or a penalty on such person for
an act alleged to have been committed by such person while a director or member
of the Committee arising with respect to the Plan or

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administration thereof or out of membership on the Committee or by the
Company, or all or any combination of the preceding; provided the director or
Committee member was acting in good faith, within what such director or
Committee member reasonably believed to have been within the scope of his or her
employment or authority and for a purpose which he or she reasonably believed to
be in the best interests of the Company or its shareholders. Payments authorized
hereunder include amounts paid and expenses incurred in settling any such action
or threatened action.

     This section does not apply to any action instituted or maintained in the
right of the Company by a shareholder or holder of a voting trust certificate
representing shares of the Company.

     The provisions of this section shall apply to the estate, executor,
administrator, heirs, legatees or devisees of a director or Committee member,
and the term "person" as used in this section shall include the estate,
executor, administrator, heirs, legatees or devisees of such person.

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