Press Releases // First National Bank of Northern California

Investor Relations

First National Bank of Northern California Receives Preferred Lender Status with the Small Business Administration

South San Francisco, CA: 8/8/2005:

South San Francisco, CA: August 8, 2005: FNB Bancorp (Bulletin Board FNBG.OB), the holding company for First National Bank of Northern California, announced that the Small Business Administration has awarded Preferred Lender Status to the Bank’s SBA program.

“Supporting small business has been a fundamental objective since our Bank opened in 1963. To be approved as a Preferred Lender by the SBA is quite an honor,” said Tom McGraw, Chief Executive Officer.

First National Bank serves the Bay Area, with primary focus on San Mateo and San Francisco Counties and makes credit decisions locally. Receiving Preferred Lender status compliments the Bank’s quick turnaround time on credits and allows the bank to close on SBA approved loans in a matter of days, not weeks.

“The small business person is often an agile entrepreneur, able to make decisions and respond to opportunities quickly. Our Preferred Lender Program membership expedites our ability to provide capital to support their business strategy,” stated Janine Perrignon, Vice President and SBA Loan Manager. To achieve recognition as a Preferred Lender, the bank must have a satisfactory performance history with the SBA, have the ability to develop and analyze complete loan packages, demonstrate the ability to process, close, service and liquidate loans.

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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:
Dave Curtis
Senior Vice President & Chief Financial Officer
Tel: (650) 875-4862
Fax: (650) 588-9695