Investor Relations

FIRST NATIONAL BANK OF NORTHERN CALIFORNIA RECEIVES TWO CHAMBER OF COMMERCE AWARDS

South San Francisco, CA: 1/30/2007:

First National Bank of Northern California was the recent recipient of two honors: the Large Business Award presented by the San Mateo Area Chamber of Commerce and the Mayor’s Award bestowed by the South San Francisco Chamber of Commerce.

“When there is a need, First National Bank of Northern California is there,” said Executive Director Linda Asbury, San Mateo Area Chamber of Commerce, at the San Mateo Chamber and the City of San Mateo Combined Annual Business Awards & Chamber of Commerce Membership Meeting held at the Peninsula Golf & Country Club in San Mateo. “The bank does not just participate financially, it participates physically and in-kind as well.”

Former SSF Mayor Joe Fernekes selected First National Bank of Northern California for the Mayor’s Award in recognition of the bank’s outstanding support of the City, its residents, and the community. The presentation was made at the 94th Annual Installation & Outstanding Business Awards Dinner held at the SSF Conference Center.

“Our bank and its staff are exceptionally proud of being honored with these two awards,” said CEO Tom McGraw, First National Bank of Northern California. “We have always been active in our communities as we believe that healthy vibrant communities raise the standards of living for everyone. Unfortunately, the many and varied human needs often outnumber the resources available. First National Bank has not only made financial contributions to multiple charitable organizations, but has a long history of employee involvement.”

First National Bank has been providing the finest business and personal banking services to its customers since 1963 when it was first known as First National Bank of Daly City. The bank was started by a small group of local businessmen who saw the growing need for an independent, community-oriented and community-based bank serving the needs of the people in San Mateo County. The bank became known as the “Family Bank” and that image and approach to banking continues to today. In 1995, the bank changed its name to First National Bank of Northern California to reflect a more accurate representation of its service area.

Over the years, First National Bank has grown to 13 branches and now covers a geographic area from San Francisco, south to Redwood City, and west to the coast where it has four coastside branches. Deposits have grown dramatically as has its reputation as a quality, flexible and caring business lender and community supporter.

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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