This place is the best. Why not get your bread fresh from the source. This is the place. A peek into the back and it's all loading docks. It kinda gives you that old-time feel. Prices are great! you can walk out of here with a Baguette of Sweet, Sour or Rosemary for $1.25. And the incredible Focaccia is to die for, and will only put you back $2.50 or maybe it's $3.00 now, I can't remember but it's like seriously 12" x 12" and 1" thick. Wow!! Also there Dutch Crunch Bread is yummy. The folks working the counter can either be nice to downright mid-evil in their attitudes, but alas, if the bread is good buy it. And move on to the next battle. ;-)
Focaccia Market is my go-to lunch spot in the Financial District. Conveniently located on 2nd street just below Market, their salad ingredients and prices cannot be beat. My favorite combo is the small spinach with caramelized onions, roasted red peppers, roasted beets, spicy tofu and goat cheese with a light balsamic vinaigrette. It's delicious! Their service is fast and friendly; this is definitely a place I'd recommend if you work in the area! Warning - like most places in the FiDi, if you go right at noon you should expect to wait.
Tartine has some of the best baristas in town and their huge oatmeal cookie is DELICIOUS. However, I'm only giving them four stars because they need to either expand their space or better organize it. There really are two lines (one for coffee only and one for coffee + food) and you can't decipher one from the other easily due to the number of people flooding the cafe. Other than the space issues, I give Tartine a big thumbs up as far as actual product goes!