SVB FINANCIAL SERVICES INC
S-8, EX-23, 2000-07-03
STATE COMMERCIAL BANKS
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                                                                Exhibit 23(a)


              CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
              ----------------------------------------------------

We have issued our report dated January 18, 2000  accompanying  the consolidated
financial statements of SVB Financial Services,  Inc. and subsidiaries appearing
in  the  1999  Annual  Report  of  the  SVB  Financial  Services,  Inc.  to  its
shareholders  included  in the Annual  Report on Form  10-KSB for the year ended
December  31, 1999,  which are  incorporated  by reference in this  Registration
Statement.  We consent to the  incorporation  by reference  in the  Registration
Statement of the aforementioned  report and to the use of our name as it appears
under the caption "Experts."



/s/ GRANT THORNTON LLP



Philadelphia, Pennsylvania

June 30, 2000


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