CONSENT OF D.A. DAVIDSON
We hereby consent to the inclusion of our opinion letter dated August 17, 2000,
to the Board of Directors of Humboldt Bancorp as Annex C to the Registration
Statement on Form S-4 ("Registration Statement") of Humboldt Bancorp and to all
references to our firm and such opinion in the Prospectus/Proxy Statement
included in such Registration Statement. In giving such consent, we do not admit
that we come within the category of persons whose consent is required under, and
we do not admit and we disclaim that we are "experts" for purposes of the
Securities Act of 1933, as amended, and the rules and regulations promulgated
thereunder.
/s/ D.A. Davidson
D.A. Davidson
Portland, OR
November 9, 2000
