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Cupertino National Bancorp in California said Steven C. Smith had been promoted to chief operating officer of the holding company and Cupertino National Bank and Trust.

Mr. Smith, who will also be chairman of the bank's executive management committee, had been executive vice president and chief financial officer of the bank for a year and a half.

Cheryl H. Howell has joined the bank as a vice president and senior trust officer. She was vice president and senior trust officer at University Bank and Trust in Palo Alto, Calif.

Ms. Howell will be responsible for administering personal accounts at Cupertino National.

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